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$52,331
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,959
−HK$1,653/mo
Today · 4.125%
HK$55,612
baseline
▲ 0.50% · 4.625%
HK$58,996
+HK$3,384/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,224/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,217
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,779
−HK$1,584/mo
Today · 4.125%
HK$61,363
baseline
▲ 0.50% · 4.625%
HK$64,597
+HK$3,234/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,726/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,797
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,750
−HK$1,985/mo
Today · 4.125%
HK$66,735
baseline
▲ 0.50% · 4.625%
HK$70,796
+HK$4,061/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,470/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,861
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,735
−HK$1,900/mo
Today · 4.125%
HK$73,635
baseline
▲ 0.50% · 4.625%
HK$77,517
+HK$3,882/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,270/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,263
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,542
−HK$2,315/mo
Today · 4.125%
HK$77,857
baseline
▲ 0.50% · 4.625%
HK$82,595
+HK$4,738/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,714/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,504
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,690
−HK$2,218/mo
Today · 4.125%
HK$85,908
baseline
▲ 0.50% · 4.625%
HK$90,436
+HK$4,528/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,816/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,195
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,125
−HK$2,977/mo
Today · 4.125%
HK$100,102
baseline
▲ 0.50% · 4.625%
HK$106,193
+HK$6,091/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,204/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,791
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,602
−HK$2,851/mo
Today · 4.125%
HK$110,453
baseline
▲ 0.50% · 4.625%
HK$116,275
+HK$5,822/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,906/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,355 · Scale 2, in force from 26 Feb 2026)