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$52,407
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,037
−HK$1,656/mo
Today · 4.125%
HK$55,693
baseline
▲ 0.50% · 4.625%
HK$59,082
+HK$3,389/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,386/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,302
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,866
−HK$1,586/mo
Today · 4.125%
HK$61,452
baseline
▲ 0.50% · 4.625%
HK$64,691
+HK$3,239/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,904/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,888
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,844
−HK$1,988/mo
Today · 4.125%
HK$66,832
baseline
▲ 0.50% · 4.625%
HK$70,898
+HK$4,066/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,664/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,962
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,839
−HK$1,903/mo
Today · 4.125%
HK$73,742
baseline
▲ 0.50% · 4.625%
HK$77,629
+HK$3,887/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,484/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,369
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,652
−HK$2,318/mo
Today · 4.125%
HK$77,970
baseline
▲ 0.50% · 4.625%
HK$82,715
+HK$4,745/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$155,940/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,623
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,812
−HK$2,221/mo
Today · 4.125%
HK$86,033
baseline
▲ 0.50% · 4.625%
HK$90,567
+HK$4,534/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$172,066/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,332
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$97,266
−HK$2,982/mo
Today · 4.125%
HK$100,248
baseline
▲ 0.50% · 4.625%
HK$106,347
+HK$6,099/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,496/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$976,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,944
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,758
−HK$2,855/mo
Today · 4.125%
HK$110,613
baseline
▲ 0.50% · 4.625%
HK$116,444
+HK$5,831/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,226/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$976,771 · Scale 2, in force from 26 Feb 2026)