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$52,565
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,200
−HK$1,661/mo
Today · 4.125%
HK$55,861
baseline
▲ 0.50% · 4.625%
HK$59,260
+HK$3,399/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,722/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,478
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,046
−HK$1,591/mo
Today · 4.125%
HK$61,637
baseline
▲ 0.50% · 4.625%
HK$64,886
+HK$3,249/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,274/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,078
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,040
−HK$1,993/mo
Today · 4.125%
HK$67,033
baseline
▲ 0.50% · 4.625%
HK$71,112
+HK$4,079/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,066/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,173
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,055
−HK$1,910/mo
Today · 4.125%
HK$73,965
baseline
▲ 0.50% · 4.625%
HK$77,863
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,930/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,591
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,880
−HK$2,325/mo
Today · 4.125%
HK$78,205
baseline
▲ 0.50% · 4.625%
HK$82,964
+HK$4,759/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,410/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,869
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,064
−HK$2,228/mo
Today · 4.125%
HK$86,292
baseline
▲ 0.50% · 4.625%
HK$90,841
+HK$4,549/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,584/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,617
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,560
−HK$2,990/mo
Today · 4.125%
HK$100,550
baseline
▲ 0.50% · 4.625%
HK$106,668
+HK$6,118/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,100/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,260
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,083
−HK$2,864/mo
Today · 4.125%
HK$110,947
baseline
▲ 0.50% · 4.625%
HK$116,795
+HK$5,848/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,894/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,715 · Scale 2, in force from 26 Feb 2026)