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$52,589
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,224
−HK$1,662/mo
Today · 4.125%
HK$55,886
baseline
▲ 0.50% · 4.625%
HK$59,287
+HK$3,401/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,772/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,504
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,073
−HK$1,592/mo
Today · 4.125%
HK$61,665
baseline
▲ 0.50% · 4.625%
HK$64,915
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,330/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,106
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,069
−HK$1,995/mo
Today · 4.125%
HK$67,064
baseline
▲ 0.50% · 4.625%
HK$71,144
+HK$4,080/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,128/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,205
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,088
−HK$1,910/mo
Today · 4.125%
HK$73,998
baseline
▲ 0.50% · 4.625%
HK$77,899
+HK$3,901/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$147,996/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,624
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,914
−HK$2,327/mo
Today · 4.125%
HK$78,241
baseline
▲ 0.50% · 4.625%
HK$83,002
+HK$4,761/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,482/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,906
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,103
−HK$2,228/mo
Today · 4.125%
HK$86,331
baseline
▲ 0.50% · 4.625%
HK$90,882
+HK$4,551/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,662/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,659
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,604
−HK$2,991/mo
Today · 4.125%
HK$100,595
baseline
▲ 0.50% · 4.625%
HK$106,716
+HK$6,121/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,190/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,308
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,132
−HK$2,865/mo
Today · 4.125%
HK$110,997
baseline
▲ 0.50% · 4.625%
HK$116,848
+HK$5,851/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$221,994/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,159 · Scale 2, in force from 26 Feb 2026)