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$52,555
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,189
−HK$1,661/mo
Today · 4.125%
HK$55,850
baseline
▲ 0.50% · 4.625%
HK$59,249
+HK$3,399/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,700/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,466
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,035
−HK$1,590/mo
Today · 4.125%
HK$61,625
baseline
▲ 0.50% · 4.625%
HK$64,874
+HK$3,249/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,250/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,066
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,027
−HK$1,993/mo
Today · 4.125%
HK$67,020
baseline
▲ 0.50% · 4.625%
HK$71,098
+HK$4,078/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,040/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,160
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,041
−HK$1,909/mo
Today · 4.125%
HK$73,950
baseline
▲ 0.50% · 4.625%
HK$77,848
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,900/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,576
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,865
−HK$2,325/mo
Today · 4.125%
HK$78,190
baseline
▲ 0.50% · 4.625%
HK$82,948
+HK$4,758/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,380/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,853
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,048
−HK$2,227/mo
Today · 4.125%
HK$86,275
baseline
▲ 0.50% · 4.625%
HK$90,823
+HK$4,548/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,550/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,598
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,541
−HK$2,989/mo
Today · 4.125%
HK$100,530
baseline
▲ 0.50% · 4.625%
HK$106,648
+HK$6,118/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,060/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,240
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,062
−HK$2,863/mo
Today · 4.125%
HK$110,925
baseline
▲ 0.50% · 4.625%
HK$116,773
+HK$5,848/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,850/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,527 · Scale 2, in force from 26 Feb 2026)