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$52,629
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,266
−HK$1,664/mo
Today · 4.125%
HK$55,930
baseline
▲ 0.50% · 4.625%
HK$59,333
+HK$3,403/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,860/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,550
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,120
−HK$1,593/mo
Today · 4.125%
HK$61,713
baseline
▲ 0.50% · 4.625%
HK$64,966
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,426/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,155
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,120
−HK$1,996/mo
Today · 4.125%
HK$67,116
baseline
▲ 0.50% · 4.625%
HK$71,199
+HK$4,083/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,232/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,259
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,144
−HK$1,911/mo
Today · 4.125%
HK$74,055
baseline
▲ 0.50% · 4.625%
HK$77,959
+HK$3,904/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,110/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,681
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,973
−HK$2,328/mo
Today · 4.125%
HK$78,301
baseline
▲ 0.50% · 4.625%
HK$83,066
+HK$4,765/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$156,602/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,969
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,168
−HK$2,230/mo
Today · 4.125%
HK$86,398
baseline
▲ 0.50% · 4.625%
HK$90,952
+HK$4,554/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$172,796/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,733
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,679
−HK$2,994/mo
Today · 4.125%
HK$100,673
baseline
▲ 0.50% · 4.625%
HK$106,799
+HK$6,126/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,346/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,389
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,216
−HK$2,867/mo
Today · 4.125%
HK$111,083
baseline
▲ 0.50% · 4.625%
HK$116,938
+HK$5,855/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,166/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,918 · Scale 2, in force from 26 Feb 2026)