The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$52,422
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,052
−HK$1,657/mo
Today · 4.125%
HK$55,709
baseline
▲ 0.50% · 4.625%
HK$59,099
+HK$3,390/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,418/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,319
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,883
−HK$1,587/mo
Today · 4.125%
HK$61,470
baseline
▲ 0.50% · 4.625%
HK$64,710
+HK$3,240/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,940/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$977,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,906
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,863
−HK$1,988/mo
Today · 4.125%
HK$66,851
baseline
▲ 0.50% · 4.625%
HK$70,919
+HK$4,068/mo
Deposit HK$9.20M · loan HK$13.79M · min. income ≈ HK$133,702/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,983
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,859
−HK$1,904/mo
Today · 4.125%
HK$73,763
baseline
▲ 0.50% · 4.625%
HK$77,652
+HK$3,889/mo
Deposit HK$9.20M · loan HK$13.79M · min. income ≈ HK$147,526/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$977,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,391
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,673
−HK$2,320/mo
Today · 4.125%
HK$77,993
baseline
▲ 0.50% · 4.625%
HK$82,739
+HK$4,746/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$155,986/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$977,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,646
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,836
−HK$2,221/mo
Today · 4.125%
HK$86,057
baseline
▲ 0.50% · 4.625%
HK$90,594
+HK$4,537/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$172,114/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$977,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,359
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$97,294
−HK$2,982/mo
Today · 4.125%
HK$100,276
baseline
▲ 0.50% · 4.625%
HK$106,378
+HK$6,102/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$200,552/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,974
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,789
−HK$2,856/mo
Today · 4.125%
HK$110,645
baseline
▲ 0.50% · 4.625%
HK$116,477
+HK$5,832/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$221,290/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,052 · Scale 2, in force from 26 Feb 2026)