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$52,601
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,237
−HK$1,662/mo
Today · 4.125%
HK$55,899
baseline
▲ 0.50% · 4.625%
HK$59,301
+HK$3,402/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,798/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,518
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,087
−HK$1,592/mo
Today · 4.125%
HK$61,679
baseline
▲ 0.50% · 4.625%
HK$64,931
+HK$3,252/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,358/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,121
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,084
−HK$1,995/mo
Today · 4.125%
HK$67,079
baseline
▲ 0.50% · 4.625%
HK$71,161
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,158/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,221
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,105
−HK$1,910/mo
Today · 4.125%
HK$74,015
baseline
▲ 0.50% · 4.625%
HK$77,917
+HK$3,902/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,030/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,641
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,932
−HK$2,327/mo
Today · 4.125%
HK$78,259
baseline
▲ 0.50% · 4.625%
HK$83,021
+HK$4,762/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,518/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,925
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,122
−HK$2,229/mo
Today · 4.125%
HK$86,351
baseline
▲ 0.50% · 4.625%
HK$90,903
+HK$4,552/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,702/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,681
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,626
−HK$2,993/mo
Today · 4.125%
HK$100,619
baseline
▲ 0.50% · 4.625%
HK$106,741
+HK$6,122/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,238/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,332
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,157
−HK$2,866/mo
Today · 4.125%
HK$111,023
baseline
▲ 0.50% · 4.625%
HK$116,875
+HK$5,852/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,046/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,386 · Scale 2, in force from 26 Feb 2026)