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$52,631
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,268
−HK$1,663/mo
Today · 4.125%
HK$55,931
baseline
▲ 0.50% · 4.625%
HK$59,335
+HK$3,404/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$980,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,551
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,122
−HK$1,593/mo
Today · 4.125%
HK$61,715
baseline
▲ 0.50% · 4.625%
HK$64,968
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,430/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,157
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,122
−HK$1,996/mo
Today · 4.125%
HK$67,118
baseline
▲ 0.50% · 4.625%
HK$71,201
+HK$4,083/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,236/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,262
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,146
−HK$1,912/mo
Today · 4.125%
HK$74,058
baseline
▲ 0.50% · 4.625%
HK$77,961
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,116/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,683
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,975
−HK$2,329/mo
Today · 4.125%
HK$78,304
baseline
▲ 0.50% · 4.625%
HK$83,068
+HK$4,764/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$156,608/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,972
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,170
−HK$2,230/mo
Today · 4.125%
HK$86,400
baseline
▲ 0.50% · 4.625%
HK$90,955
+HK$4,555/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$980,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,736
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,682
−HK$2,994/mo
Today · 4.125%
HK$100,676
baseline
▲ 0.50% · 4.625%
HK$106,802
+HK$6,126/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,352/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,392
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,219
−HK$2,867/mo
Today · 4.125%
HK$111,086
baseline
▲ 0.50% · 4.625%
HK$116,942
+HK$5,856/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,172/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,947 · Scale 2, in force from 26 Feb 2026)