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$52,390
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,020
−HK$1,655/mo
Today · 4.125%
HK$55,675
baseline
▲ 0.50% · 4.625%
HK$59,063
+HK$3,388/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,350/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,283
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,847
−HK$1,585/mo
Today · 4.125%
HK$61,432
baseline
▲ 0.50% · 4.625%
HK$64,670
+HK$3,238/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,864/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,868
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,824
−HK$1,986/mo
Today · 4.125%
HK$66,810
baseline
▲ 0.50% · 4.625%
HK$70,876
+HK$4,066/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,620/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,940
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,816
−HK$1,903/mo
Today · 4.125%
HK$73,719
baseline
▲ 0.50% · 4.625%
HK$77,605
+HK$3,886/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,438/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,346
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,628
−HK$2,317/mo
Today · 4.125%
HK$77,945
baseline
▲ 0.50% · 4.625%
HK$82,688
+HK$4,743/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,890/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,597
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,785
−HK$2,220/mo
Today · 4.125%
HK$86,005
baseline
▲ 0.50% · 4.625%
HK$90,539
+HK$4,534/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$172,010/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,302
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,235
−HK$2,981/mo
Today · 4.125%
HK$100,216
baseline
▲ 0.50% · 4.625%
HK$106,313
+HK$6,097/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,432/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,910
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,724
−HK$2,854/mo
Today · 4.125%
HK$110,578
baseline
▲ 0.50% · 4.625%
HK$116,407
+HK$5,829/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,156/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,459 · Scale 2, in force from 26 Feb 2026)