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$52,472
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,104
−HK$1,658/mo
Today · 4.125%
HK$55,762
baseline
▲ 0.50% · 4.625%
HK$59,155
+HK$3,393/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,524/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,375
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,940
−HK$1,588/mo
Today · 4.125%
HK$61,528
baseline
▲ 0.50% · 4.625%
HK$64,772
+HK$3,244/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,056/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$977,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,966
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,925
−HK$1,990/mo
Today · 4.125%
HK$66,915
baseline
▲ 0.50% · 4.625%
HK$70,987
+HK$4,072/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$133,830/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,049
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,928
−HK$1,906/mo
Today · 4.125%
HK$73,834
baseline
▲ 0.50% · 4.625%
HK$77,726
+HK$3,892/mo
Deposit HK$9.20M · loan HK$13.81M · min. income ≈ HK$147,668/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$977,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,461
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,746
−HK$2,321/mo
Today · 4.125%
HK$78,067
baseline
▲ 0.50% · 4.625%
HK$82,818
+HK$4,751/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,134/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,724
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,916
−HK$2,224/mo
Today · 4.125%
HK$86,140
baseline
▲ 0.50% · 4.625%
HK$90,680
+HK$4,540/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,280/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$977,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,450
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,388
−HK$2,984/mo
Today · 4.125%
HK$100,372
baseline
▲ 0.50% · 4.625%
HK$106,480
+HK$6,108/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,744/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,074
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,892
−HK$2,859/mo
Today · 4.125%
HK$110,751
baseline
▲ 0.50% · 4.625%
HK$116,589
+HK$5,838/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,502/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$977,987 · Scale 2, in force from 26 Feb 2026)