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$52,578
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,214
−HK$1,661/mo
Today · 4.125%
HK$55,875
baseline
▲ 0.50% · 4.625%
HK$59,275
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,750/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,493
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,062
−HK$1,591/mo
Today · 4.125%
HK$61,653
baseline
▲ 0.50% · 4.625%
HK$64,903
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,306/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,094
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,056
−HK$1,994/mo
Today · 4.125%
HK$67,050
baseline
▲ 0.50% · 4.625%
HK$71,130
+HK$4,080/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,100/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,191
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,074
−HK$1,910/mo
Today · 4.125%
HK$73,984
baseline
▲ 0.50% · 4.625%
HK$77,883
+HK$3,899/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,968/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,610
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,899
−HK$2,327/mo
Today · 4.125%
HK$78,226
baseline
▲ 0.50% · 4.625%
HK$82,985
+HK$4,759/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,452/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,890
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,086
−HK$2,228/mo
Today · 4.125%
HK$86,314
baseline
▲ 0.50% · 4.625%
HK$90,864
+HK$4,550/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,628/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,641
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,585
−HK$2,991/mo
Today · 4.125%
HK$100,576
baseline
▲ 0.50% · 4.625%
HK$106,695
+HK$6,119/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,152/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,287
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,111
−HK$2,864/mo
Today · 4.125%
HK$110,975
baseline
▲ 0.50% · 4.625%
HK$116,825
+HK$5,850/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,950/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,967 · Scale 2, in force from 26 Feb 2026)