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$52,319
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,947
−HK$1,653/mo
Today · 4.125%
HK$55,600
baseline
▲ 0.50% · 4.625%
HK$58,983
+HK$3,383/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,200/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,204
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,766
−HK$1,583/mo
Today · 4.125%
HK$61,349
baseline
▲ 0.50% · 4.625%
HK$64,583
+HK$3,234/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,698/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,783
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,736
−HK$1,984/mo
Today · 4.125%
HK$66,720
baseline
▲ 0.50% · 4.625%
HK$70,780
+HK$4,060/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,440/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,845
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,719
−HK$1,900/mo
Today · 4.125%
HK$73,619
baseline
▲ 0.50% · 4.625%
HK$77,499
+HK$3,880/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,238/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,247
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,525
−HK$2,315/mo
Today · 4.125%
HK$77,840
baseline
▲ 0.50% · 4.625%
HK$82,576
+HK$4,736/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,680/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,486
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,672
−HK$2,217/mo
Today · 4.125%
HK$85,889
baseline
▲ 0.50% · 4.625%
HK$90,416
+HK$4,527/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,778/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,174
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,104
−HK$2,976/mo
Today · 4.125%
HK$100,080
baseline
▲ 0.50% · 4.625%
HK$106,170
+HK$6,090/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,160/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,768
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,578
−HK$2,850/mo
Today · 4.125%
HK$110,428
baseline
▲ 0.50% · 4.625%
HK$116,249
+HK$5,821/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,856/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,137 · Scale 2, in force from 26 Feb 2026)