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$52,564
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,199
−HK$1,661/mo
Today · 4.125%
HK$55,860
baseline
▲ 0.50% · 4.625%
HK$59,259
+HK$3,399/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,720/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,477
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,045
−HK$1,591/mo
Today · 4.125%
HK$61,636
baseline
▲ 0.50% · 4.625%
HK$64,885
+HK$3,249/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,272/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,077
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,039
−HK$1,993/mo
Today · 4.125%
HK$67,032
baseline
▲ 0.50% · 4.625%
HK$71,111
+HK$4,079/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,064/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,172
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,054
−HK$1,910/mo
Today · 4.125%
HK$73,964
baseline
▲ 0.50% · 4.625%
HK$77,862
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,928/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,590
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,879
−HK$2,325/mo
Today · 4.125%
HK$78,204
baseline
▲ 0.50% · 4.625%
HK$82,963
+HK$4,759/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,408/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,868
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,063
−HK$2,228/mo
Today · 4.125%
HK$86,291
baseline
▲ 0.50% · 4.625%
HK$90,839
+HK$4,548/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,582/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,615
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,558
−HK$2,991/mo
Today · 4.125%
HK$100,549
baseline
▲ 0.50% · 4.625%
HK$106,667
+HK$6,118/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,098/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,259
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,082
−HK$2,863/mo
Today · 4.125%
HK$110,945
baseline
▲ 0.50% · 4.625%
HK$116,793
+HK$5,848/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,890/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,703 · Scale 2, in force from 26 Feb 2026)