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$52,568
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,203
−HK$1,662/mo
Today · 4.125%
HK$55,865
baseline
▲ 0.50% · 4.625%
HK$59,264
+HK$3,399/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,730/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,482
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,050
−HK$1,591/mo
Today · 4.125%
HK$61,641
baseline
▲ 0.50% · 4.625%
HK$64,890
+HK$3,249/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,282/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$979,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,082
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,044
−HK$1,994/mo
Today · 4.125%
HK$67,038
baseline
▲ 0.50% · 4.625%
HK$71,117
+HK$4,079/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,076/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,178
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,060
−HK$1,909/mo
Today · 4.125%
HK$73,969
baseline
▲ 0.50% · 4.625%
HK$77,869
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,938/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,596
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,885
−HK$2,326/mo
Today · 4.125%
HK$78,211
baseline
▲ 0.50% · 4.625%
HK$82,970
+HK$4,759/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,422/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,874
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,070
−HK$2,228/mo
Today · 4.125%
HK$86,298
baseline
▲ 0.50% · 4.625%
HK$90,847
+HK$4,549/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,596/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$979,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,623
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,566
−HK$2,991/mo
Today · 4.125%
HK$100,557
baseline
▲ 0.50% · 4.625%
HK$106,675
+HK$6,118/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,114/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,267
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,090
−HK$2,864/mo
Today · 4.125%
HK$110,954
baseline
▲ 0.50% · 4.625%
HK$116,803
+HK$5,849/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,908/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$979,781 · Scale 2, in force from 26 Feb 2026)