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$52,408
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,038
−HK$1,656/mo
Today · 4.125%
HK$55,694
baseline
▲ 0.50% · 4.625%
HK$59,083
+HK$3,389/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,388/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,303
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,867
−HK$1,586/mo
Today · 4.125%
HK$61,453
baseline
▲ 0.50% · 4.625%
HK$64,692
+HK$3,239/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,906/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,889
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,845
−HK$1,988/mo
Today · 4.125%
HK$66,833
baseline
▲ 0.50% · 4.625%
HK$70,899
+HK$4,066/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,666/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,963
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,840
−HK$1,903/mo
Today · 4.125%
HK$73,743
baseline
▲ 0.50% · 4.625%
HK$77,630
+HK$3,887/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,486/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,371
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,653
−HK$2,319/mo
Today · 4.125%
HK$77,972
baseline
▲ 0.50% · 4.625%
HK$82,716
+HK$4,744/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$155,944/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,624
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,813
−HK$2,221/mo
Today · 4.125%
HK$86,034
baseline
▲ 0.50% · 4.625%
HK$90,569
+HK$4,535/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$172,068/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,334
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,268
−HK$2,981/mo
Today · 4.125%
HK$100,249
baseline
▲ 0.50% · 4.625%
HK$106,349
+HK$6,100/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,498/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$976,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,945
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,760
−HK$2,855/mo
Today · 4.125%
HK$110,615
baseline
▲ 0.50% · 4.625%
HK$116,446
+HK$5,831/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,230/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$976,786 · Scale 2, in force from 26 Feb 2026)