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$52,613
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,250
−HK$1,663/mo
Today · 4.125%
HK$55,913
baseline
▲ 0.50% · 4.625%
HK$59,315
+HK$3,402/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,826/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,532
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,102
−HK$1,592/mo
Today · 4.125%
HK$61,694
baseline
▲ 0.50% · 4.625%
HK$64,946
+HK$3,252/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,388/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,136
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,100
−HK$1,995/mo
Today · 4.125%
HK$67,095
baseline
▲ 0.50% · 4.625%
HK$71,178
+HK$4,083/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,190/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,238
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,122
−HK$1,911/mo
Today · 4.125%
HK$74,033
baseline
▲ 0.50% · 4.625%
HK$77,935
+HK$3,902/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,066/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,659
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,950
−HK$2,328/mo
Today · 4.125%
HK$78,278
baseline
▲ 0.50% · 4.625%
HK$83,041
+HK$4,763/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,556/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,945
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,142
−HK$2,230/mo
Today · 4.125%
HK$86,372
baseline
▲ 0.50% · 4.625%
HK$90,925
+HK$4,553/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,744/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,704
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,650
−HK$2,993/mo
Today · 4.125%
HK$100,643
baseline
▲ 0.50% · 4.625%
HK$106,767
+HK$6,124/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,286/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,357
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$108,183
−HK$2,867/mo
Today · 4.125%
HK$111,050
baseline
▲ 0.50% · 4.625%
HK$116,903
+HK$5,853/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,100/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,623 · Scale 2, in force from 26 Feb 2026)