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$52,588
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,224
−HK$1,662/mo
Today · 4.125%
HK$55,886
baseline
▲ 0.50% · 4.625%
HK$59,286
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,772/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,504
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,073
−HK$1,591/mo
Today · 4.125%
HK$61,664
baseline
▲ 0.50% · 4.625%
HK$64,915
+HK$3,251/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,328/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,106
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,069
−HK$1,994/mo
Today · 4.125%
HK$67,063
baseline
▲ 0.50% · 4.625%
HK$71,143
+HK$4,080/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$134,126/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,204
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,087
−HK$1,910/mo
Today · 4.125%
HK$73,997
baseline
▲ 0.50% · 4.625%
HK$77,898
+HK$3,901/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$147,994/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,623
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,327/mo
Today · 4.125%
HK$78,240
baseline
▲ 0.50% · 4.625%
HK$83,001
+HK$4,761/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,480/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,905
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,102
−HK$2,228/mo
Today · 4.125%
HK$86,330
baseline
▲ 0.50% · 4.625%
HK$90,881
+HK$4,551/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,660/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,658
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,603
−HK$2,991/mo
Today · 4.125%
HK$100,594
baseline
▲ 0.50% · 4.625%
HK$106,715
+HK$6,121/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,188/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,306
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,131
−HK$2,865/mo
Today · 4.125%
HK$110,996
baseline
▲ 0.50% · 4.625%
HK$116,847
+HK$5,851/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$221,992/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,149 · Scale 2, in force from 26 Feb 2026)