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$52,335
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,963
−HK$1,654/mo
Today · 4.125%
HK$55,617
baseline
▲ 0.50% · 4.625%
HK$59,001
+HK$3,384/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,234/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,222
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,784
−HK$1,584/mo
Today · 4.125%
HK$61,368
baseline
▲ 0.50% · 4.625%
HK$64,603
+HK$3,235/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,736/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,802
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,756
−HK$1,984/mo
Today · 4.125%
HK$66,740
baseline
▲ 0.50% · 4.625%
HK$70,801
+HK$4,061/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,480/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,867
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,741
−HK$1,900/mo
Today · 4.125%
HK$73,641
baseline
▲ 0.50% · 4.625%
HK$77,523
+HK$3,882/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,282/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,269
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,548
−HK$2,316/mo
Today · 4.125%
HK$77,864
baseline
▲ 0.50% · 4.625%
HK$82,602
+HK$4,738/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,728/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,511
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,697
−HK$2,218/mo
Today · 4.125%
HK$85,915
baseline
▲ 0.50% · 4.625%
HK$90,444
+HK$4,529/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,830/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,203
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,134
−HK$2,977/mo
Today · 4.125%
HK$100,111
baseline
▲ 0.50% · 4.625%
HK$106,202
+HK$6,091/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,222/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,800
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,611
−HK$2,851/mo
Today · 4.125%
HK$110,462
baseline
▲ 0.50% · 4.625%
HK$116,285
+HK$5,823/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,924/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,436 · Scale 2, in force from 26 Feb 2026)