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$52,392
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,022
−HK$1,655/mo
Today · 4.125%
HK$55,677
baseline
▲ 0.50% · 4.625%
HK$59,065
+HK$3,388/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,354/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,286
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,849
−HK$1,586/mo
Today · 4.125%
HK$61,435
baseline
▲ 0.50% · 4.625%
HK$64,673
+HK$3,238/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,870/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,870
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,826
−HK$1,987/mo
Today · 4.125%
HK$66,813
baseline
▲ 0.50% · 4.625%
HK$70,878
+HK$4,065/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,626/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,943
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,818
−HK$1,903/mo
Today · 4.125%
HK$73,721
baseline
▲ 0.50% · 4.625%
HK$77,607
+HK$3,886/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,442/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,349
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,630
−HK$2,318/mo
Today · 4.125%
HK$77,948
baseline
▲ 0.50% · 4.625%
HK$82,691
+HK$4,743/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,896/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,600
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,788
−HK$2,220/mo
Today · 4.125%
HK$86,008
baseline
▲ 0.50% · 4.625%
HK$90,542
+HK$4,534/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$172,016/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,306
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,239
−HK$2,980/mo
Today · 4.125%
HK$100,219
baseline
▲ 0.50% · 4.625%
HK$106,317
+HK$6,098/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,438/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,914
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,728
−HK$2,854/mo
Today · 4.125%
HK$110,582
baseline
▲ 0.50% · 4.625%
HK$116,411
+HK$5,829/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,164/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,495 · Scale 2, in force from 26 Feb 2026)