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$52,388
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,017
−HK$1,656/mo
Today · 4.125%
HK$55,673
baseline
▲ 0.50% · 4.625%
HK$59,060
+HK$3,387/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,346/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,281
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,844
−HK$1,585/mo
Today · 4.125%
HK$61,429
baseline
▲ 0.50% · 4.625%
HK$64,667
+HK$3,238/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,858/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,865
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,820
−HK$1,987/mo
Today · 4.125%
HK$66,807
baseline
▲ 0.50% · 4.625%
HK$70,872
+HK$4,065/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$133,614/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,937
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,812
−HK$1,903/mo
Today · 4.125%
HK$73,715
baseline
▲ 0.50% · 4.625%
HK$77,601
+HK$3,886/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$147,430/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,343
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,624
−HK$2,318/mo
Today · 4.125%
HK$77,942
baseline
▲ 0.50% · 4.625%
HK$82,684
+HK$4,742/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,884/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,593
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,781
−HK$2,220/mo
Today · 4.125%
HK$86,001
baseline
▲ 0.50% · 4.625%
HK$90,534
+HK$4,533/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$172,002/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,298
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,231
−HK$2,980/mo
Today · 4.125%
HK$100,211
baseline
▲ 0.50% · 4.625%
HK$106,308
+HK$6,097/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,422/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,905
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,719
−HK$2,854/mo
Today · 4.125%
HK$110,573
baseline
▲ 0.50% · 4.625%
HK$116,401
+HK$5,828/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,146/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,413 · Scale 2, in force from 26 Feb 2026)