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$52,333
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,961
−HK$1,653/mo
Today · 4.125%
HK$55,614
baseline
▲ 0.50% · 4.625%
HK$58,999
+HK$3,385/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,228/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,220
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,781
−HK$1,584/mo
Today · 4.125%
HK$61,365
baseline
▲ 0.50% · 4.625%
HK$64,600
+HK$3,235/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,730/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,799
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,753
−HK$1,984/mo
Today · 4.125%
HK$66,737
baseline
▲ 0.50% · 4.625%
HK$70,798
+HK$4,061/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,474/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,864
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,737
−HK$1,901/mo
Today · 4.125%
HK$73,638
baseline
▲ 0.50% · 4.625%
HK$77,520
+HK$3,882/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,276/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,266
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,545
−HK$2,315/mo
Today · 4.125%
HK$77,860
baseline
▲ 0.50% · 4.625%
HK$82,598
+HK$4,738/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,720/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,508
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,694
−HK$2,217/mo
Today · 4.125%
HK$85,911
baseline
▲ 0.50% · 4.625%
HK$90,440
+HK$4,529/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,822/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,199
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,129
−HK$2,977/mo
Today · 4.125%
HK$100,106
baseline
▲ 0.50% · 4.625%
HK$106,197
+HK$6,091/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,212/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,795
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,606
−HK$2,851/mo
Today · 4.125%
HK$110,457
baseline
▲ 0.50% · 4.625%
HK$116,280
+HK$5,823/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,914/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,392 · Scale 2, in force from 26 Feb 2026)