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$52,553
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,187
−HK$1,661/mo
Today · 4.125%
HK$55,848
baseline
▲ 0.50% · 4.625%
HK$59,246
+HK$3,398/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,696/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,464
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,032
−HK$1,591/mo
Today · 4.125%
HK$61,623
baseline
▲ 0.50% · 4.625%
HK$64,871
+HK$3,248/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,246/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,063
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,025
−HK$1,993/mo
Today · 4.125%
HK$67,018
baseline
▲ 0.50% · 4.625%
HK$71,096
+HK$4,078/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,036/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,157
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,039
−HK$1,908/mo
Today · 4.125%
HK$73,947
baseline
▲ 0.50% · 4.625%
HK$77,845
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,894/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,574
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,862
−HK$2,325/mo
Today · 4.125%
HK$78,187
baseline
▲ 0.50% · 4.625%
HK$82,945
+HK$4,758/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,374/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,850
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,045
−HK$2,227/mo
Today · 4.125%
HK$86,272
baseline
▲ 0.50% · 4.625%
HK$90,819
+HK$4,547/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,544/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,595
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,537
−HK$2,989/mo
Today · 4.125%
HK$100,526
baseline
▲ 0.50% · 4.625%
HK$106,643
+HK$6,117/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,052/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,236
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,058
−HK$2,863/mo
Today · 4.125%
HK$110,921
baseline
▲ 0.50% · 4.625%
HK$116,768
+HK$5,847/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,842/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,488 · Scale 2, in force from 26 Feb 2026)