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$52,342
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,970
−HK$1,654/mo
Today · 4.125%
HK$55,624
baseline
▲ 0.50% · 4.625%
HK$59,009
+HK$3,385/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,248/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,230
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,792
−HK$1,584/mo
Today · 4.125%
HK$61,376
baseline
▲ 0.50% · 4.625%
HK$64,611
+HK$3,235/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,752/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,810
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,764
−HK$1,985/mo
Today · 4.125%
HK$66,749
baseline
▲ 0.50% · 4.625%
HK$70,811
+HK$4,062/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,498/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,876
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,750
−HK$1,901/mo
Today · 4.125%
HK$73,651
baseline
▲ 0.50% · 4.625%
HK$77,533
+HK$3,882/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,302/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,279
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,558
−HK$2,316/mo
Today · 4.125%
HK$77,874
baseline
▲ 0.50% · 4.625%
HK$82,613
+HK$4,739/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,748/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,522
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,708
−HK$2,218/mo
Today · 4.125%
HK$85,926
baseline
▲ 0.50% · 4.625%
HK$90,456
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,852/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,216
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,146
−HK$2,978/mo
Today · 4.125%
HK$100,124
baseline
▲ 0.50% · 4.625%
HK$106,216
+HK$6,092/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,248/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,814
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,625
−HK$2,852/mo
Today · 4.125%
HK$110,477
baseline
▲ 0.50% · 4.625%
HK$116,300
+HK$5,823/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,954/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,565 · Scale 2, in force from 26 Feb 2026)