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$52,582
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,218
−HK$1,662/mo
Today · 4.125%
HK$55,880
baseline
▲ 0.50% · 4.625%
HK$59,280
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,760/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,497
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,066
−HK$1,592/mo
Today · 4.125%
HK$61,658
baseline
▲ 0.50% · 4.625%
HK$64,908
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,316/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,099
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,062
−HK$1,994/mo
Today · 4.125%
HK$67,056
baseline
▲ 0.50% · 4.625%
HK$71,136
+HK$4,080/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$134,112/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,197
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,080
−HK$1,909/mo
Today · 4.125%
HK$73,989
baseline
▲ 0.50% · 4.625%
HK$77,890
+HK$3,901/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$147,978/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,615
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,905
−HK$2,327/mo
Today · 4.125%
HK$78,232
baseline
▲ 0.50% · 4.625%
HK$82,992
+HK$4,760/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,464/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,896
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,093
−HK$2,228/mo
Today · 4.125%
HK$86,321
baseline
▲ 0.50% · 4.625%
HK$90,871
+HK$4,550/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,642/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,648
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,593
−HK$2,991/mo
Today · 4.125%
HK$100,584
baseline
▲ 0.50% · 4.625%
HK$106,704
+HK$6,120/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,168/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,295
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,119
−HK$2,865/mo
Today · 4.125%
HK$110,984
baseline
▲ 0.50% · 4.625%
HK$116,834
+HK$5,850/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,968/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,046 · Scale 2, in force from 26 Feb 2026)