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$52,365
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,994
−HK$1,654/mo
Today · 4.125%
HK$55,648
baseline
▲ 0.50% · 4.625%
HK$59,034
+HK$3,386/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,296/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$975,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,255
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,818
−HK$1,585/mo
Today · 4.125%
HK$61,403
baseline
▲ 0.50% · 4.625%
HK$64,639
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,806/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$975,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,838
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,792
−HK$1,986/mo
Today · 4.125%
HK$66,778
baseline
▲ 0.50% · 4.625%
HK$70,841
+HK$4,063/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$133,556/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,906
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,781
−HK$1,902/mo
Today · 4.125%
HK$73,683
baseline
▲ 0.50% · 4.625%
HK$77,567
+HK$3,884/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$147,366/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,311
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,591
−HK$2,317/mo
Today · 4.125%
HK$77,908
baseline
▲ 0.50% · 4.625%
HK$82,648
+HK$4,740/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,816/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$975,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,557
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,745
−HK$2,219/mo
Today · 4.125%
HK$85,964
baseline
▲ 0.50% · 4.625%
HK$90,495
+HK$4,531/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$171,928/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$975,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,256
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$97,188
−HK$2,979/mo
Today · 4.125%
HK$100,167
baseline
▲ 0.50% · 4.625%
HK$106,262
+HK$6,095/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$200,334/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,859
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,672
−HK$2,853/mo
Today · 4.125%
HK$110,525
baseline
▲ 0.50% · 4.625%
HK$116,350
+HK$5,825/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$221,050/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,987 · Scale 2, in force from 26 Feb 2026)