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$52,548
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,183
−HK$1,660/mo
Today · 4.125%
HK$55,843
baseline
▲ 0.50% · 4.625%
HK$59,241
+HK$3,398/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,686/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,459
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,027
−HK$1,590/mo
Today · 4.125%
HK$61,617
baseline
▲ 0.50% · 4.625%
HK$64,865
+HK$3,248/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,234/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,058
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,019
−HK$1,993/mo
Today · 4.125%
HK$67,012
baseline
▲ 0.50% · 4.625%
HK$71,089
+HK$4,077/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,024/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,151
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,032
−HK$1,909/mo
Today · 4.125%
HK$73,941
baseline
▲ 0.50% · 4.625%
HK$77,839
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,882/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,567
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,856
−HK$2,325/mo
Today · 4.125%
HK$78,181
baseline
▲ 0.50% · 4.625%
HK$82,938
+HK$4,757/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,362/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,843
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,038
−HK$2,226/mo
Today · 4.125%
HK$86,264
baseline
▲ 0.50% · 4.625%
HK$90,812
+HK$4,548/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,528/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,586
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,529
−HK$2,989/mo
Today · 4.125%
HK$100,518
baseline
▲ 0.50% · 4.625%
HK$106,634
+HK$6,116/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,036/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,226
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,049
−HK$2,862/mo
Today · 4.125%
HK$110,911
baseline
▲ 0.50% · 4.625%
HK$116,758
+HK$5,847/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,822/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,403 · Scale 2, in force from 26 Feb 2026)