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$52,623
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,260
−HK$1,663/mo
Today · 4.125%
HK$55,923
baseline
▲ 0.50% · 4.625%
HK$59,325
+HK$3,402/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,846/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,542
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,112
−HK$1,593/mo
Today · 4.125%
HK$61,705
baseline
▲ 0.50% · 4.625%
HK$64,958
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,410/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,147
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,111
−HK$1,996/mo
Today · 4.125%
HK$67,107
baseline
▲ 0.50% · 4.625%
HK$71,190
+HK$4,083/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,214/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,251
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,135
−HK$1,911/mo
Today · 4.125%
HK$74,046
baseline
▲ 0.50% · 4.625%
HK$77,949
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,092/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,672
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,963
−HK$2,329/mo
Today · 4.125%
HK$78,292
baseline
▲ 0.50% · 4.625%
HK$83,056
+HK$4,764/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,584/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,959
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,157
−HK$2,230/mo
Today · 4.125%
HK$86,387
baseline
▲ 0.50% · 4.625%
HK$90,941
+HK$4,554/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,774/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,721
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,667
−HK$2,994/mo
Today · 4.125%
HK$100,661
baseline
▲ 0.50% · 4.625%
HK$106,786
+HK$6,125/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,322/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,376
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$108,202
−HK$2,867/mo
Today · 4.125%
HK$111,069
baseline
▲ 0.50% · 4.625%
HK$116,924
+HK$5,855/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,138/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,796 · Scale 2, in force from 26 Feb 2026)