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$52,355
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,984
−HK$1,654/mo
Today · 4.125%
HK$55,638
baseline
▲ 0.50% · 4.625%
HK$59,024
+HK$3,386/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,276/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$975,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,245
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,807
−HK$1,584/mo
Today · 4.125%
HK$61,391
baseline
▲ 0.50% · 4.625%
HK$64,627
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,782/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$975,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,826
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,780
−HK$1,986/mo
Today · 4.125%
HK$66,766
baseline
▲ 0.50% · 4.625%
HK$70,829
+HK$4,063/mo
Deposit HK$9.18M · loan HK$13.78M · min. income ≈ HK$133,532/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,894
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,768
−HK$1,902/mo
Today · 4.125%
HK$73,670
baseline
▲ 0.50% · 4.625%
HK$77,553
+HK$3,883/mo
Deposit HK$9.18M · loan HK$13.78M · min. income ≈ HK$147,340/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,297
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,577
−HK$2,317/mo
Today · 4.125%
HK$77,894
baseline
▲ 0.50% · 4.625%
HK$82,633
+HK$4,739/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,788/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,542
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,729
−HK$2,219/mo
Today · 4.125%
HK$85,948
baseline
▲ 0.50% · 4.625%
HK$90,478
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,896/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,239
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,171
−HK$2,978/mo
Today · 4.125%
HK$100,149
baseline
▲ 0.50% · 4.625%
HK$106,243
+HK$6,094/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,298/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,840
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,652
−HK$2,852/mo
Today · 4.125%
HK$110,504
baseline
▲ 0.50% · 4.625%
HK$116,329
+HK$5,825/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$221,008/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,810 · Scale 2, in force from 26 Feb 2026)