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$52,371
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,000
−HK$1,656/mo
Today · 4.125%
HK$55,656
baseline
▲ 0.50% · 4.625%
HK$59,042
+HK$3,386/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,312/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,263
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,825
−HK$1,585/mo
Today · 4.125%
HK$61,410
baseline
▲ 0.50% · 4.625%
HK$64,647
+HK$3,237/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,820/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,846
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,800
−HK$1,987/mo
Today · 4.125%
HK$66,787
baseline
▲ 0.50% · 4.625%
HK$70,850
+HK$4,063/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$133,574/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,915
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,790
−HK$1,902/mo
Today · 4.125%
HK$73,692
baseline
▲ 0.50% · 4.625%
HK$77,577
+HK$3,885/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$147,384/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,320
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,601
−HK$2,317/mo
Today · 4.125%
HK$77,918
baseline
▲ 0.50% · 4.625%
HK$82,659
+HK$4,741/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,836/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,568
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,755
−HK$2,220/mo
Today · 4.125%
HK$85,975
baseline
▲ 0.50% · 4.625%
HK$90,506
+HK$4,531/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$171,950/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,268
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$97,201
−HK$2,979/mo
Today · 4.125%
HK$100,180
baseline
▲ 0.50% · 4.625%
HK$106,276
+HK$6,096/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$200,360/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,873
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,685
−HK$2,854/mo
Today · 4.125%
HK$110,539
baseline
▲ 0.50% · 4.625%
HK$116,365
+HK$5,826/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$221,078/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,111 · Scale 2, in force from 26 Feb 2026)