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$52,531
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,165
−HK$1,660/mo
Today · 4.125%
HK$55,825
baseline
▲ 0.50% · 4.625%
HK$59,222
+HK$3,397/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,650/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,440
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$60,007
−HK$1,590/mo
Today · 4.125%
HK$61,597
baseline
▲ 0.50% · 4.625%
HK$64,844
+HK$3,247/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,194/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,037
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,998
−HK$1,992/mo
Today · 4.125%
HK$66,990
baseline
▲ 0.50% · 4.625%
HK$71,066
+HK$4,076/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$133,980/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$979,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,128
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,009
−HK$1,908/mo
Today · 4.125%
HK$73,917
baseline
▲ 0.50% · 4.625%
HK$77,813
+HK$3,896/mo
Deposit HK$9.21M · loan HK$13.82M · min. income ≈ HK$147,834/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$979,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,543
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,831
−HK$2,324/mo
Today · 4.125%
HK$78,155
baseline
▲ 0.50% · 4.625%
HK$82,910
+HK$4,755/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,310/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,816
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,010
−HK$2,226/mo
Today · 4.125%
HK$86,236
baseline
▲ 0.50% · 4.625%
HK$90,782
+HK$4,546/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,472/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,555
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,496
−HK$2,989/mo
Today · 4.125%
HK$100,485
baseline
▲ 0.50% · 4.625%
HK$106,599
+HK$6,114/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$200,970/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,192
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,013
−HK$2,862/mo
Today · 4.125%
HK$110,875
baseline
▲ 0.50% · 4.625%
HK$116,719
+HK$5,844/mo
Deposit HK$2.30M · loan HK$20.73M · min. income ≈ HK$221,750/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,080 · Scale 2, in force from 26 Feb 2026)