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$52,572
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,207
−HK$1,661/mo
Today · 4.125%
HK$55,868
baseline
▲ 0.50% · 4.625%
HK$59,268
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,736/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,485
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,054
−HK$1,591/mo
Today · 4.125%
HK$61,645
baseline
▲ 0.50% · 4.625%
HK$64,895
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,290/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,086
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,048
−HK$1,994/mo
Today · 4.125%
HK$67,042
baseline
▲ 0.50% · 4.625%
HK$71,121
+HK$4,079/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,084/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,183
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,065
−HK$1,909/mo
Today · 4.125%
HK$73,974
baseline
▲ 0.50% · 4.625%
HK$77,874
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,948/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,600
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,890
−HK$2,326/mo
Today · 4.125%
HK$78,216
baseline
▲ 0.50% · 4.625%
HK$82,975
+HK$4,759/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,432/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,880
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,076
−HK$2,227/mo
Today · 4.125%
HK$86,303
baseline
▲ 0.50% · 4.625%
HK$90,853
+HK$4,550/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,606/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,629
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,573
−HK$2,990/mo
Today · 4.125%
HK$100,563
baseline
▲ 0.50% · 4.625%
HK$106,682
+HK$6,119/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,126/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,274
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,097
−HK$2,865/mo
Today · 4.125%
HK$110,962
baseline
▲ 0.50% · 4.625%
HK$116,810
+HK$5,848/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,924/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,845 · Scale 2, in force from 26 Feb 2026)