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$52,529
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,163
−HK$1,660/mo
Today · 4.125%
HK$55,823
baseline
▲ 0.50% · 4.625%
HK$59,219
+HK$3,396/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,646/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,438
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,005
−HK$1,590/mo
Today · 4.125%
HK$61,595
baseline
▲ 0.50% · 4.625%
HK$64,841
+HK$3,246/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,190/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,034
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,995
−HK$1,992/mo
Today · 4.125%
HK$66,987
baseline
▲ 0.50% · 4.625%
HK$71,063
+HK$4,076/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,974/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$979,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,125
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,006
−HK$1,908/mo
Today · 4.125%
HK$73,914
baseline
▲ 0.50% · 4.625%
HK$77,810
+HK$3,896/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,828/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$979,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,540
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,828
−HK$2,324/mo
Today · 4.125%
HK$78,152
baseline
▲ 0.50% · 4.625%
HK$82,907
+HK$4,755/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,304/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,813
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,007
−HK$2,226/mo
Today · 4.125%
HK$86,233
baseline
▲ 0.50% · 4.625%
HK$90,778
+HK$4,545/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,466/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,551
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,493
−HK$2,988/mo
Today · 4.125%
HK$100,481
baseline
▲ 0.50% · 4.625%
HK$106,595
+HK$6,114/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,962/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,188
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$108,009
−HK$2,861/mo
Today · 4.125%
HK$110,870
baseline
▲ 0.50% · 4.625%
HK$116,715
+HK$5,845/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,740/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,042 · Scale 2, in force from 26 Feb 2026)