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$52,539
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,174
−HK$1,660/mo
Today · 4.125%
HK$55,834
baseline
▲ 0.50% · 4.625%
HK$59,231
+HK$3,397/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,668/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,449
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,017
−HK$1,590/mo
Today · 4.125%
HK$61,607
baseline
▲ 0.50% · 4.625%
HK$64,855
+HK$3,248/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,214/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,047
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,008
−HK$1,993/mo
Today · 4.125%
HK$67,001
baseline
▲ 0.50% · 4.625%
HK$71,078
+HK$4,077/mo
Deposit HK$9.22M · loan HK$13.82M · min. income ≈ HK$134,002/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,139
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,020
−HK$1,909/mo
Today · 4.125%
HK$73,929
baseline
▲ 0.50% · 4.625%
HK$77,826
+HK$3,897/mo
Deposit HK$9.22M · loan HK$13.82M · min. income ≈ HK$147,858/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,555
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,843
−HK$2,325/mo
Today · 4.125%
HK$78,168
baseline
▲ 0.50% · 4.625%
HK$82,924
+HK$4,756/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,336/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,829
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,024
−HK$2,226/mo
Today · 4.125%
HK$86,250
baseline
▲ 0.50% · 4.625%
HK$90,797
+HK$4,547/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,500/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,571
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,512
−HK$2,989/mo
Today · 4.125%
HK$100,501
baseline
▲ 0.50% · 4.625%
HK$106,616
+HK$6,115/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,002/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,209
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,031
−HK$2,862/mo
Today · 4.125%
HK$110,893
baseline
▲ 0.50% · 4.625%
HK$116,738
+HK$5,845/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,786/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,241 · Scale 2, in force from 26 Feb 2026)