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$52,580
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,216
−HK$1,662/mo
Today · 4.125%
HK$55,878
baseline
▲ 0.50% · 4.625%
HK$59,278
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,756/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,495
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,064
−HK$1,591/mo
Today · 4.125%
HK$61,655
baseline
▲ 0.50% · 4.625%
HK$64,905
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,310/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,096
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,059
−HK$1,994/mo
Today · 4.125%
HK$67,053
baseline
▲ 0.50% · 4.625%
HK$71,133
+HK$4,080/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$134,106/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,194
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,077
−HK$1,909/mo
Today · 4.125%
HK$73,986
baseline
▲ 0.50% · 4.625%
HK$77,886
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$147,972/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,612
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,902
−HK$2,327/mo
Today · 4.125%
HK$78,229
baseline
▲ 0.50% · 4.625%
HK$82,989
+HK$4,760/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,458/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,893
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,089
−HK$2,228/mo
Today · 4.125%
HK$86,317
baseline
▲ 0.50% · 4.625%
HK$90,867
+HK$4,550/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,634/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,644
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,588
−HK$2,992/mo
Today · 4.125%
HK$100,580
baseline
▲ 0.50% · 4.625%
HK$106,700
+HK$6,120/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,160/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,291
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,115
−HK$2,865/mo
Today · 4.125%
HK$110,980
baseline
▲ 0.50% · 4.625%
HK$116,829
+HK$5,849/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,960/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,005 · Scale 2, in force from 26 Feb 2026)