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$52,332
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,960
−HK$1,654/mo
Today · 4.125%
HK$55,614
baseline
▲ 0.50% · 4.625%
HK$58,998
+HK$3,384/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$975,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,219
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,780
−HK$1,584/mo
Today · 4.125%
HK$61,364
baseline
▲ 0.50% · 4.625%
HK$64,599
+HK$3,235/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,728/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,799
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,752
−HK$1,985/mo
Today · 4.125%
HK$66,737
baseline
▲ 0.50% · 4.625%
HK$70,797
+HK$4,060/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$975,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,863
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,737
−HK$1,900/mo
Today · 4.125%
HK$73,637
baseline
▲ 0.50% · 4.625%
HK$77,519
+HK$3,882/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,274/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,265
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,544
−HK$2,315/mo
Today · 4.125%
HK$77,859
baseline
▲ 0.50% · 4.625%
HK$82,597
+HK$4,738/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,718/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,507
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,693
−HK$2,217/mo
Today · 4.125%
HK$85,910
baseline
▲ 0.50% · 4.625%
HK$90,439
+HK$4,529/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,820/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,198
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,128
−HK$2,977/mo
Today · 4.125%
HK$100,105
baseline
▲ 0.50% · 4.625%
HK$106,196
+HK$6,091/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,210/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,794
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,605
−HK$2,851/mo
Today · 4.125%
HK$110,456
baseline
▲ 0.50% · 4.625%
HK$116,278
+HK$5,822/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,912/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,381 · Scale 2, in force from 26 Feb 2026)