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$52,611
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,248
−HK$1,663/mo
Today · 4.125%
HK$55,911
baseline
▲ 0.50% · 4.625%
HK$59,313
+HK$3,402/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,822/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,530
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,099
−HK$1,593/mo
Today · 4.125%
HK$61,692
baseline
▲ 0.50% · 4.625%
HK$64,944
+HK$3,252/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,384/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,134
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,097
−HK$1,996/mo
Today · 4.125%
HK$67,093
baseline
▲ 0.50% · 4.625%
HK$71,175
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,186/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,236
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,119
−HK$1,911/mo
Today · 4.125%
HK$74,030
baseline
▲ 0.50% · 4.625%
HK$77,932
+HK$3,902/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,060/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,656
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,947
−HK$2,328/mo
Today · 4.125%
HK$78,275
baseline
▲ 0.50% · 4.625%
HK$83,038
+HK$4,763/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,550/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,941
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,139
−HK$2,229/mo
Today · 4.125%
HK$86,368
baseline
▲ 0.50% · 4.625%
HK$90,921
+HK$4,553/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,736/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,700
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,646
−HK$2,993/mo
Today · 4.125%
HK$100,639
baseline
▲ 0.50% · 4.625%
HK$106,763
+HK$6,124/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,278/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,353
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,179
−HK$2,866/mo
Today · 4.125%
HK$111,045
baseline
▲ 0.50% · 4.625%
HK$116,899
+HK$5,854/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,090/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,584 · Scale 2, in force from 26 Feb 2026)