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$52,547
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,182
−HK$1,660/mo
Today · 4.125%
HK$55,842
baseline
▲ 0.50% · 4.625%
HK$59,240
+HK$3,398/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,684/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,458
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,026
−HK$1,591/mo
Today · 4.125%
HK$61,617
baseline
▲ 0.50% · 4.625%
HK$64,864
+HK$3,247/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$979,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,057
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,018
−HK$1,993/mo
Today · 4.125%
HK$67,011
baseline
▲ 0.50% · 4.625%
HK$71,088
+HK$4,077/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,022/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,150
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,031
−HK$1,909/mo
Today · 4.125%
HK$73,940
baseline
▲ 0.50% · 4.625%
HK$77,837
+HK$3,897/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,880/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,566
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,854
−HK$2,325/mo
Today · 4.125%
HK$78,179
baseline
▲ 0.50% · 4.625%
HK$82,936
+HK$4,757/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,358/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,842
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,036
−HK$2,227/mo
Today · 4.125%
HK$86,263
baseline
▲ 0.50% · 4.625%
HK$90,810
+HK$4,547/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,526/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,585
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,527
−HK$2,989/mo
Today · 4.125%
HK$100,516
baseline
▲ 0.50% · 4.625%
HK$106,632
+HK$6,116/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,032/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,225
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,047
−HK$2,863/mo
Today · 4.125%
HK$110,910
baseline
▲ 0.50% · 4.625%
HK$116,756
+HK$5,846/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,820/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,389 · Scale 2, in force from 26 Feb 2026)