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$52,608
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,244
−HK$1,663/mo
Today · 4.125%
HK$55,907
baseline
▲ 0.50% · 4.625%
HK$59,308
+HK$3,401/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,814/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,525
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,095
−HK$1,592/mo
Today · 4.125%
HK$61,687
baseline
▲ 0.50% · 4.625%
HK$64,939
+HK$3,252/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,374/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,129
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,093
−HK$1,995/mo
Today · 4.125%
HK$67,088
baseline
▲ 0.50% · 4.625%
HK$71,170
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,176/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,231
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,114
−HK$1,911/mo
Today · 4.125%
HK$74,025
baseline
▲ 0.50% · 4.625%
HK$77,927
+HK$3,902/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,050/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,651
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,942
−HK$2,327/mo
Today · 4.125%
HK$78,269
baseline
▲ 0.50% · 4.625%
HK$83,032
+HK$4,763/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,538/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,936
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,133
−HK$2,229/mo
Today · 4.125%
HK$86,362
baseline
▲ 0.50% · 4.625%
HK$90,915
+HK$4,553/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,724/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,694
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,639
−HK$2,993/mo
Today · 4.125%
HK$100,632
baseline
▲ 0.50% · 4.625%
HK$106,755
+HK$6,123/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,264/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,346
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,171
−HK$2,866/mo
Today · 4.125%
HK$111,037
baseline
▲ 0.50% · 4.625%
HK$116,890
+HK$5,853/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,074/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,515 · Scale 2, in force from 26 Feb 2026)