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$52,394
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,024
−HK$1,656/mo
Today · 4.125%
HK$55,680
baseline
▲ 0.50% · 4.625%
HK$59,068
+HK$3,388/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,360/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,288
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,851
−HK$1,586/mo
Today · 4.125%
HK$61,437
baseline
▲ 0.50% · 4.625%
HK$64,675
+HK$3,238/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,874/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,873
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,829
−HK$1,987/mo
Today · 4.125%
HK$66,816
baseline
▲ 0.50% · 4.625%
HK$70,881
+HK$4,065/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,632/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,945
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,821
−HK$1,903/mo
Today · 4.125%
HK$73,724
baseline
▲ 0.50% · 4.625%
HK$77,610
+HK$3,886/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,448/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,352
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,633
−HK$2,318/mo
Today · 4.125%
HK$77,951
baseline
▲ 0.50% · 4.625%
HK$82,695
+HK$4,744/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,902/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,603
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,792
−HK$2,220/mo
Today · 4.125%
HK$86,012
baseline
▲ 0.50% · 4.625%
HK$90,546
+HK$4,534/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$172,024/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,309
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,243
−HK$2,980/mo
Today · 4.125%
HK$100,223
baseline
▲ 0.50% · 4.625%
HK$106,322
+HK$6,099/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,446/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,918
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,732
−HK$2,855/mo
Today · 4.125%
HK$110,587
baseline
▲ 0.50% · 4.625%
HK$116,416
+HK$5,829/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,174/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,534 · Scale 2, in force from 26 Feb 2026)