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$52,346
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,974
−HK$1,655/mo
Today · 4.125%
HK$55,629
baseline
▲ 0.50% · 4.625%
HK$59,013
+HK$3,384/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,258/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,234
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,796
−HK$1,585/mo
Today · 4.125%
HK$61,381
baseline
▲ 0.50% · 4.625%
HK$64,616
+HK$3,235/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,762/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,815
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,769
−HK$1,985/mo
Today · 4.125%
HK$66,754
baseline
▲ 0.50% · 4.625%
HK$70,816
+HK$4,062/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,508/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,881
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,755
−HK$1,902/mo
Today · 4.125%
HK$73,657
baseline
▲ 0.50% · 4.625%
HK$77,539
+HK$3,882/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,314/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,284
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,564
−HK$2,316/mo
Today · 4.125%
HK$77,880
baseline
▲ 0.50% · 4.625%
HK$82,619
+HK$4,739/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,760/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,528
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,715
−HK$2,218/mo
Today · 4.125%
HK$85,933
baseline
▲ 0.50% · 4.625%
HK$90,463
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,866/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,223
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,154
−HK$2,977/mo
Today · 4.125%
HK$100,131
baseline
▲ 0.50% · 4.625%
HK$106,224
+HK$6,093/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,262/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,822
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,633
−HK$2,852/mo
Today · 4.125%
HK$110,485
baseline
▲ 0.50% · 4.625%
HK$116,309
+HK$5,824/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,970/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,639 · Scale 2, in force from 26 Feb 2026)