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$52,399
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,029
−HK$1,656/mo
Today · 4.125%
HK$55,685
baseline
▲ 0.50% · 4.625%
HK$59,073
+HK$3,388/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,370/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,293
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,856
−HK$1,586/mo
Today · 4.125%
HK$61,442
baseline
▲ 0.50% · 4.625%
HK$64,681
+HK$3,239/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,884/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,878
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,834
−HK$1,987/mo
Today · 4.125%
HK$66,821
baseline
▲ 0.50% · 4.625%
HK$70,887
+HK$4,066/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,642/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,952
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,828
−HK$1,903/mo
Today · 4.125%
HK$73,731
baseline
▲ 0.50% · 4.625%
HK$77,617
+HK$3,886/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,462/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,358
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,640
−HK$2,318/mo
Today · 4.125%
HK$77,958
baseline
▲ 0.50% · 4.625%
HK$82,702
+HK$4,744/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$155,916/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,610
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,799
−HK$2,220/mo
Today · 4.125%
HK$86,019
baseline
▲ 0.50% · 4.625%
HK$90,553
+HK$4,534/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$172,038/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,318
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,251
−HK$2,981/mo
Today · 4.125%
HK$100,232
baseline
▲ 0.50% · 4.625%
HK$106,331
+HK$6,099/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,464/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,927
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,741
−HK$2,855/mo
Today · 4.125%
HK$110,596
baseline
▲ 0.50% · 4.625%
HK$116,426
+HK$5,830/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,192/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,620 · Scale 2, in force from 26 Feb 2026)