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$52,526
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,160
−HK$1,660/mo
Today · 4.125%
HK$55,820
baseline
▲ 0.50% · 4.625%
HK$59,216
+HK$3,396/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,640/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$978,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,434
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,002
−HK$1,590/mo
Today · 4.125%
HK$61,592
baseline
▲ 0.50% · 4.625%
HK$64,838
+HK$3,246/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,184/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$978,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,031
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,992
−HK$1,992/mo
Today · 4.125%
HK$66,984
baseline
▲ 0.50% · 4.625%
HK$71,059
+HK$4,075/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,968/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,121
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,002
−HK$1,908/mo
Today · 4.125%
HK$73,910
baseline
▲ 0.50% · 4.625%
HK$77,806
+HK$3,896/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,820/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$978,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,536
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,824
−HK$2,324/mo
Today · 4.125%
HK$78,148
baseline
▲ 0.50% · 4.625%
HK$82,903
+HK$4,755/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$156,296/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,808
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,002
−HK$2,226/mo
Today · 4.125%
HK$86,228
baseline
▲ 0.50% · 4.625%
HK$90,773
+HK$4,545/mo
Deposit HK$6.91M · loan HK$16.12M · min. income ≈ HK$172,456/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$978,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,547
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,487
−HK$2,988/mo
Today · 4.125%
HK$100,475
baseline
▲ 0.50% · 4.625%
HK$106,589
+HK$6,114/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,950/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,182
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,003
−HK$2,862/mo
Today · 4.125%
HK$110,865
baseline
▲ 0.50% · 4.625%
HK$116,709
+HK$5,844/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,730/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,991 · Scale 2, in force from 26 Feb 2026)