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$52,314
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,941
−HK$1,654/mo
Today · 4.125%
HK$55,595
baseline
▲ 0.50% · 4.625%
HK$58,978
+HK$3,383/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,190/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,199
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,760
−HK$1,583/mo
Today · 4.125%
HK$61,343
baseline
▲ 0.50% · 4.625%
HK$64,577
+HK$3,234/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,686/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,777
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,730
−HK$1,984/mo
Today · 4.125%
HK$66,714
baseline
▲ 0.50% · 4.625%
HK$70,773
+HK$4,059/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,428/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,839
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,712
−HK$1,900/mo
Today · 4.125%
HK$73,612
baseline
▲ 0.50% · 4.625%
HK$77,492
+HK$3,880/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,224/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,240
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,518
−HK$2,315/mo
Today · 4.125%
HK$77,833
baseline
▲ 0.50% · 4.625%
HK$82,569
+HK$4,736/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,666/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,479
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,664
−HK$2,217/mo
Today · 4.125%
HK$85,881
baseline
▲ 0.50% · 4.625%
HK$90,408
+HK$4,527/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,762/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,166
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,095
−HK$2,976/mo
Today · 4.125%
HK$100,071
baseline
▲ 0.50% · 4.625%
HK$106,160
+HK$6,089/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,142/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,758
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,568
−HK$2,850/mo
Today · 4.125%
HK$110,418
baseline
▲ 0.50% · 4.625%
HK$116,238
+HK$5,820/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,836/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,046 · Scale 2, in force from 26 Feb 2026)