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$52,630
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,267
−HK$1,664/mo
Today · 4.125%
HK$55,931
baseline
▲ 0.50% · 4.625%
HK$59,334
+HK$3,403/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,862/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,551
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,121
−HK$1,593/mo
Today · 4.125%
HK$61,714
baseline
▲ 0.50% · 4.625%
HK$64,967
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,428/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,156
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,121
−HK$1,996/mo
Today · 4.125%
HK$67,117
baseline
▲ 0.50% · 4.625%
HK$71,201
+HK$4,084/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,234/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,261
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,145
−HK$1,912/mo
Today · 4.125%
HK$74,057
baseline
▲ 0.50% · 4.625%
HK$77,960
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,114/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,682
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,974
−HK$2,329/mo
Today · 4.125%
HK$78,303
baseline
▲ 0.50% · 4.625%
HK$83,067
+HK$4,764/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$156,606/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,971
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,169
−HK$2,231/mo
Today · 4.125%
HK$86,400
baseline
▲ 0.50% · 4.625%
HK$90,954
+HK$4,554/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$172,800/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,735
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,681
−HK$2,994/mo
Today · 4.125%
HK$100,675
baseline
▲ 0.50% · 4.625%
HK$106,801
+HK$6,126/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,350/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,391
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,218
−HK$2,867/mo
Today · 4.125%
HK$111,085
baseline
▲ 0.50% · 4.625%
HK$116,941
+HK$5,856/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,170/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,937 · Scale 2, in force from 26 Feb 2026)