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$52,563
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,198
−HK$1,662/mo
Today · 4.125%
HK$55,860
baseline
▲ 0.50% · 4.625%
HK$59,258
+HK$3,398/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,720/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,476
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,045
−HK$1,591/mo
Today · 4.125%
HK$61,636
baseline
▲ 0.50% · 4.625%
HK$64,884
+HK$3,248/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,272/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,076
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,038
−HK$1,993/mo
Today · 4.125%
HK$67,031
baseline
▲ 0.50% · 4.625%
HK$71,110
+HK$4,079/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,062/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,171
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,053
−HK$1,910/mo
Today · 4.125%
HK$73,963
baseline
▲ 0.50% · 4.625%
HK$77,861
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,926/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,589
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,878
−HK$2,325/mo
Today · 4.125%
HK$78,203
baseline
▲ 0.50% · 4.625%
HK$82,962
+HK$4,759/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,406/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,867
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,062
−HK$2,228/mo
Today · 4.125%
HK$86,290
baseline
▲ 0.50% · 4.625%
HK$90,838
+HK$4,548/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,580/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,614
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,557
−HK$2,990/mo
Today · 4.125%
HK$100,547
baseline
▲ 0.50% · 4.625%
HK$106,665
+HK$6,118/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,094/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,257
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,080
−HK$2,864/mo
Today · 4.125%
HK$110,944
baseline
▲ 0.50% · 4.625%
HK$116,792
+HK$5,848/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,888/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,690 · Scale 2, in force from 26 Feb 2026)