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$52,542
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,176
−HK$1,661/mo
Today · 4.125%
HK$55,837
baseline
▲ 0.50% · 4.625%
HK$59,234
+HK$3,397/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,674/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,452
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,020
−HK$1,590/mo
Today · 4.125%
HK$61,610
baseline
▲ 0.50% · 4.625%
HK$64,858
+HK$3,248/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,220/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,050
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,012
−HK$1,992/mo
Today · 4.125%
HK$67,004
baseline
▲ 0.50% · 4.625%
HK$71,081
+HK$4,077/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,008/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,143
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,024
−HK$1,908/mo
Today · 4.125%
HK$73,932
baseline
▲ 0.50% · 4.625%
HK$77,830
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,864/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,559
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,847
−HK$2,325/mo
Today · 4.125%
HK$78,172
baseline
▲ 0.50% · 4.625%
HK$82,928
+HK$4,756/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,344/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,833
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,028
−HK$2,227/mo
Today · 4.125%
HK$86,255
baseline
▲ 0.50% · 4.625%
HK$90,801
+HK$4,546/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,510/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,575
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,517
−HK$2,989/mo
Today · 4.125%
HK$100,506
baseline
▲ 0.50% · 4.625%
HK$106,622
+HK$6,116/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,012/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,214
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,036
−HK$2,863/mo
Today · 4.125%
HK$110,899
baseline
▲ 0.50% · 4.625%
HK$116,744
+HK$5,845/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,798/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,291 · Scale 2, in force from 26 Feb 2026)