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$52,395
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,024
−HK$1,656/mo
Today · 4.125%
HK$55,680
baseline
▲ 0.50% · 4.625%
HK$59,068
+HK$3,388/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,360/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,288
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,852
−HK$1,586/mo
Today · 4.125%
HK$61,438
baseline
▲ 0.50% · 4.625%
HK$64,676
+HK$3,238/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,876/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,874
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,829
−HK$1,987/mo
Today · 4.125%
HK$66,816
baseline
▲ 0.50% · 4.625%
HK$70,882
+HK$4,066/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,632/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,946
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,822
−HK$1,903/mo
Today · 4.125%
HK$73,725
baseline
▲ 0.50% · 4.625%
HK$77,611
+HK$3,886/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,450/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,352
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,634
−HK$2,318/mo
Today · 4.125%
HK$77,952
baseline
▲ 0.50% · 4.625%
HK$82,696
+HK$4,744/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,904/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,604
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,792
−HK$2,221/mo
Today · 4.125%
HK$86,013
baseline
▲ 0.50% · 4.625%
HK$90,547
+HK$4,534/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$172,026/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,310
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,244
−HK$2,980/mo
Today · 4.125%
HK$100,224
baseline
▲ 0.50% · 4.625%
HK$106,323
+HK$6,099/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,448/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,919
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,733
−HK$2,855/mo
Today · 4.125%
HK$110,588
baseline
▲ 0.50% · 4.625%
HK$116,417
+HK$5,829/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,176/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,545 · Scale 2, in force from 26 Feb 2026)