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$52,587
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,223
−HK$1,661/mo
Today · 4.125%
HK$55,884
baseline
▲ 0.50% · 4.625%
HK$59,285
+HK$3,401/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,768/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,502
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,071
−HK$1,592/mo
Today · 4.125%
HK$61,663
baseline
▲ 0.50% · 4.625%
HK$64,913
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,326/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,104
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,067
−HK$1,994/mo
Today · 4.125%
HK$67,061
baseline
▲ 0.50% · 4.625%
HK$71,142
+HK$4,081/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$134,122/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,203
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,086
−HK$1,910/mo
Today · 4.125%
HK$73,996
baseline
▲ 0.50% · 4.625%
HK$77,896
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$147,992/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,622
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,912
−HK$2,326/mo
Today · 4.125%
HK$78,238
baseline
▲ 0.50% · 4.625%
HK$82,999
+HK$4,761/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,476/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,903
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,100
−HK$2,228/mo
Today · 4.125%
HK$86,328
baseline
▲ 0.50% · 4.625%
HK$90,879
+HK$4,551/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,656/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,656
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,601
−HK$2,991/mo
Today · 4.125%
HK$100,592
baseline
▲ 0.50% · 4.625%
HK$106,713
+HK$6,121/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,184/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,304
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,128
−HK$2,865/mo
Today · 4.125%
HK$110,993
baseline
▲ 0.50% · 4.625%
HK$116,844
+HK$5,851/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$221,986/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,127 · Scale 2, in force from 26 Feb 2026)