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$52,316
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,944
−HK$1,653/mo
Today · 4.125%
HK$55,597
baseline
▲ 0.50% · 4.625%
HK$58,980
+HK$3,383/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,194/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,201
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,762
−HK$1,584/mo
Today · 4.125%
HK$61,346
baseline
▲ 0.50% · 4.625%
HK$64,579
+HK$3,233/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,692/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,780
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,732
−HK$1,984/mo
Today · 4.125%
HK$66,716
baseline
▲ 0.50% · 4.625%
HK$70,776
+HK$4,060/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,432/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,842
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,715
−HK$1,900/mo
Today · 4.125%
HK$73,615
baseline
▲ 0.50% · 4.625%
HK$77,495
+HK$3,880/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,230/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,243
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,521
−HK$2,315/mo
Today · 4.125%
HK$77,836
baseline
▲ 0.50% · 4.625%
HK$82,572
+HK$4,736/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,672/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,482
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,667
−HK$2,217/mo
Today · 4.125%
HK$85,884
baseline
▲ 0.50% · 4.625%
HK$90,411
+HK$4,527/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,768/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,169
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,099
−HK$2,976/mo
Today · 4.125%
HK$100,075
baseline
▲ 0.50% · 4.625%
HK$106,164
+HK$6,089/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,150/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,762
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,572
−HK$2,850/mo
Today · 4.125%
HK$110,422
baseline
▲ 0.50% · 4.625%
HK$116,243
+HK$5,821/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,844/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,085 · Scale 2, in force from 26 Feb 2026)