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$52,577
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,213
−HK$1,661/mo
Today · 4.125%
HK$55,874
baseline
▲ 0.50% · 4.625%
HK$59,274
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,748/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,492
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,061
−HK$1,591/mo
Today · 4.125%
HK$61,652
baseline
▲ 0.50% · 4.625%
HK$64,902
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,304/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,093
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,055
−HK$1,994/mo
Today · 4.125%
HK$67,049
baseline
▲ 0.50% · 4.625%
HK$71,129
+HK$4,080/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,098/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,190
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,073
−HK$1,909/mo
Today · 4.125%
HK$73,982
baseline
▲ 0.50% · 4.625%
HK$77,882
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,964/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,608
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,898
−HK$2,326/mo
Today · 4.125%
HK$78,224
baseline
▲ 0.50% · 4.625%
HK$82,984
+HK$4,760/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,448/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,889
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,085
−HK$2,228/mo
Today · 4.125%
HK$86,313
baseline
▲ 0.50% · 4.625%
HK$90,862
+HK$4,549/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,626/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,639
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,583
−HK$2,991/mo
Today · 4.125%
HK$100,574
baseline
▲ 0.50% · 4.625%
HK$106,694
+HK$6,120/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,148/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,285
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,109
−HK$2,865/mo
Today · 4.125%
HK$110,974
baseline
▲ 0.50% · 4.625%
HK$116,823
+HK$5,849/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,948/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,951 · Scale 2, in force from 26 Feb 2026)