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$52,374
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$54,003
−HK$1,655/mo
Today · 4.125%
HK$55,658
baseline
▲ 0.50% · 4.625%
HK$59,045
+HK$3,387/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,316/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,266
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,828
−HK$1,585/mo
Today · 4.125%
HK$61,413
baseline
▲ 0.50% · 4.625%
HK$64,651
+HK$3,238/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,826/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,849
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,804
−HK$1,986/mo
Today · 4.125%
HK$66,790
baseline
▲ 0.50% · 4.625%
HK$70,854
+HK$4,064/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$133,580/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,919
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,794
−HK$1,902/mo
Today · 4.125%
HK$73,696
baseline
▲ 0.50% · 4.625%
HK$77,581
+HK$3,885/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$147,392/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,324
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,604
−HK$2,318/mo
Today · 4.125%
HK$77,922
baseline
▲ 0.50% · 4.625%
HK$82,663
+HK$4,741/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,844/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,572
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,759
−HK$2,220/mo
Today · 4.125%
HK$85,979
baseline
▲ 0.50% · 4.625%
HK$90,511
+HK$4,532/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$171,958/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,273
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$97,206
−HK$2,979/mo
Today · 4.125%
HK$100,185
baseline
▲ 0.50% · 4.625%
HK$106,281
+HK$6,096/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$200,370/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,878
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,691
−HK$2,853/mo
Today · 4.125%
HK$110,544
baseline
▲ 0.50% · 4.625%
HK$116,371
+HK$5,827/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$221,088/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,160 · Scale 2, in force from 26 Feb 2026)