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$52,558
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,193
−HK$1,661/mo
Today · 4.125%
HK$55,854
baseline
▲ 0.50% · 4.625%
HK$59,253
+HK$3,399/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,708/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,470
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,039
−HK$1,590/mo
Today · 4.125%
HK$61,629
baseline
▲ 0.50% · 4.625%
HK$64,878
+HK$3,249/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,258/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,070
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,032
−HK$1,993/mo
Today · 4.125%
HK$67,025
baseline
▲ 0.50% · 4.625%
HK$71,103
+HK$4,078/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,050/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,164
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,046
−HK$1,909/mo
Today · 4.125%
HK$73,955
baseline
▲ 0.50% · 4.625%
HK$77,853
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,910/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,581
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,870
−HK$2,326/mo
Today · 4.125%
HK$78,196
baseline
▲ 0.50% · 4.625%
HK$82,954
+HK$4,758/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,392/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,859
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,054
−HK$2,227/mo
Today · 4.125%
HK$86,281
baseline
▲ 0.50% · 4.625%
HK$90,829
+HK$4,548/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,562/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,605
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,547
−HK$2,990/mo
Today · 4.125%
HK$100,537
baseline
▲ 0.50% · 4.625%
HK$106,655
+HK$6,118/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,074/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,247
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,069
−HK$2,864/mo
Today · 4.125%
HK$110,933
baseline
▲ 0.50% · 4.625%
HK$116,780
+HK$5,847/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,866/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,592 · Scale 2, in force from 26 Feb 2026)