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$3,299/mo
▼ 0.25% · 3.875%
HK$54,250
−HK$1,662/mo
Today · 4.125%
HK$55,912
baseline
▲ 0.50% · 4.625%
HK$59,314
+HK$3,402/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,824/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,531
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,101
−HK$1,593/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$980,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,136
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,099
−HK$1,996/mo
Today · 4.125%
HK$67,095
baseline
▲ 0.50% · 4.625%
HK$71,177
+HK$4,082/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$980,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,238
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,121
−HK$1,911/mo
Today · 4.125%
HK$74,032
baseline
▲ 0.50% · 4.625%
HK$77,935
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,064/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,658
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,949
−HK$2,328/mo
Today · 4.125%
HK$78,277
baseline
▲ 0.50% · 4.625%
HK$83,040
+HK$4,763/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,554/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,944
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,142
−HK$2,229/mo
Today · 4.125%
HK$86,371
baseline
▲ 0.50% · 4.625%
HK$90,924
+HK$4,553/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,742/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,703
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,649
−HK$2,993/mo
Today · 4.125%
HK$100,642
baseline
▲ 0.50% · 4.625%
HK$106,766
+HK$6,124/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,284/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,357
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,182
−HK$2,867/mo
Today · 4.125%
HK$111,049
baseline
▲ 0.50% · 4.625%
HK$116,902
+HK$5,853/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,098/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,614 · Scale 2, in force from 26 Feb 2026)