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$52,641
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,279
−HK$1,663/mo
Today · 4.125%
HK$55,942
baseline
▲ 0.50% · 4.625%
HK$59,346
+HK$3,404/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,884/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$981,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,563
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,134
−HK$1,593/mo
Today · 4.125%
HK$61,727
baseline
▲ 0.50% · 4.625%
HK$64,981
+HK$3,254/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,454/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$981,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,170
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,135
−HK$1,996/mo
Today · 4.125%
HK$67,131
baseline
▲ 0.50% · 4.625%
HK$71,216
+HK$4,085/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,262/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,276
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,160
−HK$1,912/mo
Today · 4.125%
HK$74,072
baseline
▲ 0.50% · 4.625%
HK$77,977
+HK$3,905/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,144/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,698
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,990
−HK$2,329/mo
Today · 4.125%
HK$78,319
baseline
▲ 0.50% · 4.625%
HK$83,085
+HK$4,766/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$156,638/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,988
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,187
−HK$2,231/mo
Today · 4.125%
HK$86,418
baseline
▲ 0.50% · 4.625%
HK$90,973
+HK$4,555/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$172,836/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,754
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,702
−HK$2,994/mo
Today · 4.125%
HK$100,696
baseline
▲ 0.50% · 4.625%
HK$106,824
+HK$6,128/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,392/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,413
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,241
−HK$2,868/mo
Today · 4.125%
HK$111,109
baseline
▲ 0.50% · 4.625%
HK$116,965
+HK$5,856/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,218/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,144 · Scale 2, in force from 26 Feb 2026)