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$52,632
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,269
−HK$1,663/mo
Today · 4.125%
HK$55,932
baseline
▲ 0.50% · 4.625%
HK$59,335
+HK$3,403/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,864/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,552
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,123
−HK$1,593/mo
Today · 4.125%
HK$61,716
baseline
▲ 0.50% · 4.625%
HK$64,969
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,432/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,158
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,123
−HK$1,996/mo
Today · 4.125%
HK$67,119
baseline
▲ 0.50% · 4.625%
HK$71,203
+HK$4,084/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,238/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,263
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,147
−HK$1,912/mo
Today · 4.125%
HK$74,059
baseline
▲ 0.50% · 4.625%
HK$77,962
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,118/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,684
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,976
−HK$2,329/mo
Today · 4.125%
HK$78,305
baseline
▲ 0.50% · 4.625%
HK$83,070
+HK$4,765/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$156,610/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,973
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,172
−HK$2,230/mo
Today · 4.125%
HK$86,402
baseline
▲ 0.50% · 4.625%
HK$90,956
+HK$4,554/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$172,804/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,737
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,684
−HK$2,994/mo
Today · 4.125%
HK$100,678
baseline
▲ 0.50% · 4.625%
HK$106,804
+HK$6,126/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,356/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,394
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,221
−HK$2,867/mo
Today · 4.125%
HK$111,088
baseline
▲ 0.50% · 4.625%
HK$116,944
+HK$5,856/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,176/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,963 · Scale 2, in force from 26 Feb 2026)