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$52,557
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,192
−HK$1,661/mo
Today · 4.125%
HK$55,853
baseline
▲ 0.50% · 4.625%
HK$59,252
+HK$3,399/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$111,706/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,470
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,038
−HK$1,590/mo
Today · 4.125%
HK$61,628
baseline
▲ 0.50% · 4.625%
HK$64,877
+HK$3,249/mo
Deposit HK$11.52M · loan HK$11.52M · min. income ≈ HK$123,256/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$979,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,069
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,031
−HK$1,993/mo
Today · 4.125%
HK$67,024
baseline
▲ 0.50% · 4.625%
HK$71,102
+HK$4,078/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$134,048/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,163
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,045
−HK$1,909/mo
Today · 4.125%
HK$73,954
baseline
▲ 0.50% · 4.625%
HK$77,852
+HK$3,898/mo
Deposit HK$9.22M · loan HK$13.83M · min. income ≈ HK$147,908/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$979,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,580
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,869
−HK$2,325/mo
Today · 4.125%
HK$78,194
baseline
▲ 0.50% · 4.625%
HK$82,952
+HK$4,758/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$156,388/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,857
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,053
−HK$2,227/mo
Today · 4.125%
HK$86,280
baseline
▲ 0.50% · 4.625%
HK$90,828
+HK$4,548/mo
Deposit HK$6.91M · loan HK$16.13M · min. income ≈ HK$172,560/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$979,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,603
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,546
−HK$2,990/mo
Today · 4.125%
HK$100,536
baseline
▲ 0.50% · 4.625%
HK$106,653
+HK$6,117/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$201,072/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,245
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,068
−HK$2,863/mo
Today · 4.125%
HK$110,931
baseline
▲ 0.50% · 4.625%
HK$116,779
+HK$5,848/mo
Deposit HK$2.30M · loan HK$20.74M · min. income ≈ HK$221,862/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$979,578 · Scale 2, in force from 26 Feb 2026)