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$52,618
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,255
−HK$1,662/mo
Today · 4.125%
HK$55,917
baseline
▲ 0.50% · 4.625%
HK$59,320
+HK$3,403/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,834/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,537
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,107
−HK$1,592/mo
Today · 4.125%
HK$61,699
baseline
▲ 0.50% · 4.625%
HK$64,952
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,398/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,141
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,105
−HK$1,996/mo
Today · 4.125%
HK$67,101
baseline
▲ 0.50% · 4.625%
HK$71,184
+HK$4,083/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,202/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,244
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,128
−HK$1,911/mo
Today · 4.125%
HK$74,039
baseline
▲ 0.50% · 4.625%
HK$77,942
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,078/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,665
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,956
−HK$2,328/mo
Today · 4.125%
HK$78,284
baseline
▲ 0.50% · 4.625%
HK$83,048
+HK$4,764/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,568/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,952
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,149
−HK$2,230/mo
Today · 4.125%
HK$86,379
baseline
▲ 0.50% · 4.625%
HK$90,932
+HK$4,553/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,758/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,712
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,658
−HK$2,993/mo
Today · 4.125%
HK$100,651
baseline
▲ 0.50% · 4.625%
HK$106,776
+HK$6,125/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,302/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,366
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$108,192
−HK$2,867/mo
Today · 4.125%
HK$111,059
baseline
▲ 0.50% · 4.625%
HK$116,913
+HK$5,854/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,118/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,705 · Scale 2, in force from 26 Feb 2026)