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$52,565
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,200
−HK$1,661/mo
Today · 4.125%
HK$55,861
baseline
▲ 0.50% · 4.625%
HK$59,260
+HK$3,399/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,722/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,478
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,047
−HK$1,591/mo
Today · 4.125%
HK$61,638
baseline
▲ 0.50% · 4.625%
HK$64,887
+HK$3,249/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,276/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,078
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,040
−HK$1,994/mo
Today · 4.125%
HK$67,034
baseline
▲ 0.50% · 4.625%
HK$71,113
+HK$4,079/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,068/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,174
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,056
−HK$1,909/mo
Today · 4.125%
HK$73,965
baseline
▲ 0.50% · 4.625%
HK$77,864
+HK$3,899/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,930/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,591
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,880
−HK$2,326/mo
Today · 4.125%
HK$78,206
baseline
▲ 0.50% · 4.625%
HK$82,965
+HK$4,759/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,412/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,869
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,065
−HK$2,228/mo
Today · 4.125%
HK$86,293
baseline
▲ 0.50% · 4.625%
HK$90,841
+HK$4,548/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,586/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,617
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,560
−HK$2,991/mo
Today · 4.125%
HK$100,551
baseline
▲ 0.50% · 4.625%
HK$106,669
+HK$6,118/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,102/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,261
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,084
−HK$2,864/mo
Today · 4.125%
HK$110,948
baseline
▲ 0.50% · 4.625%
HK$116,796
+HK$5,848/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,896/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,723 · Scale 2, in force from 26 Feb 2026)