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$52,354
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,983
−HK$1,654/mo
Today · 4.125%
HK$55,637
baseline
▲ 0.50% · 4.625%
HK$59,023
+HK$3,386/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,274/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$975,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,244
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,806
−HK$1,584/mo
Today · 4.125%
HK$61,390
baseline
▲ 0.50% · 4.625%
HK$64,626
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,780/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$975,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,825
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,779
−HK$1,986/mo
Today · 4.125%
HK$66,765
baseline
▲ 0.50% · 4.625%
HK$70,827
+HK$4,062/mo
Deposit HK$9.18M · loan HK$13.78M · min. income ≈ HK$133,530/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,892
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,767
−HK$1,901/mo
Today · 4.125%
HK$73,668
baseline
▲ 0.50% · 4.625%
HK$77,552
+HK$3,884/mo
Deposit HK$9.18M · loan HK$13.78M · min. income ≈ HK$147,336/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,296
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,576
−HK$2,316/mo
Today · 4.125%
HK$77,892
baseline
▲ 0.50% · 4.625%
HK$82,632
+HK$4,740/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,784/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,541
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,728
−HK$2,219/mo
Today · 4.125%
HK$85,947
baseline
▲ 0.50% · 4.625%
HK$90,477
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,894/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,238
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,169
−HK$2,978/mo
Today · 4.125%
HK$100,147
baseline
▲ 0.50% · 4.625%
HK$106,241
+HK$6,094/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,294/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,839
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,650
−HK$2,853/mo
Today · 4.125%
HK$110,503
baseline
▲ 0.50% · 4.625%
HK$116,327
+HK$5,824/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$221,006/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,794 · Scale 2, in force from 26 Feb 2026)