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$52,551
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,186
−HK$1,660/mo
Today · 4.125%
HK$55,846
baseline
▲ 0.50% · 4.625%
HK$59,245
+HK$3,399/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,692/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,462
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,030
−HK$1,591/mo
Today · 4.125%
HK$61,621
baseline
▲ 0.50% · 4.625%
HK$64,869
+HK$3,248/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,242/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,061
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,023
−HK$1,993/mo
Today · 4.125%
HK$67,016
baseline
▲ 0.50% · 4.625%
HK$71,093
+HK$4,077/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,032/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,155
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,036
−HK$1,909/mo
Today · 4.125%
HK$73,945
baseline
▲ 0.50% · 4.625%
HK$77,843
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,890/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,571
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,860
−HK$2,325/mo
Today · 4.125%
HK$78,185
baseline
▲ 0.50% · 4.625%
HK$82,942
+HK$4,757/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,370/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,847
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,043
−HK$2,226/mo
Today · 4.125%
HK$86,269
baseline
▲ 0.50% · 4.625%
HK$90,817
+HK$4,548/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,538/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,592
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,534
−HK$2,990/mo
Today · 4.125%
HK$100,524
baseline
▲ 0.50% · 4.625%
HK$106,640
+HK$6,116/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,048/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,232
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,055
−HK$2,863/mo
Today · 4.125%
HK$110,918
baseline
▲ 0.50% · 4.625%
HK$116,764
+HK$5,846/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,836/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,460 · Scale 2, in force from 26 Feb 2026)