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$52,611
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,247
−HK$1,663/mo
Today · 4.125%
HK$55,910
baseline
▲ 0.50% · 4.625%
HK$59,312
+HK$3,402/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,820/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,529
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,099
−HK$1,592/mo
Today · 4.125%
HK$61,691
baseline
▲ 0.50% · 4.625%
HK$64,943
+HK$3,252/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,382/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,133
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,097
−HK$1,995/mo
Today · 4.125%
HK$67,092
baseline
▲ 0.50% · 4.625%
HK$71,174
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,184/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,235
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,118
−HK$1,911/mo
Today · 4.125%
HK$74,029
baseline
▲ 0.50% · 4.625%
HK$77,932
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,058/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,655
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,946
−HK$2,328/mo
Today · 4.125%
HK$78,274
baseline
▲ 0.50% · 4.625%
HK$83,037
+HK$4,763/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,548/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,941
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,138
−HK$2,230/mo
Today · 4.125%
HK$86,368
baseline
▲ 0.50% · 4.625%
HK$90,920
+HK$4,552/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,736/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,700
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,645
−HK$2,993/mo
Today · 4.125%
HK$100,638
baseline
▲ 0.50% · 4.625%
HK$106,762
+HK$6,124/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,276/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,352
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,178
−HK$2,866/mo
Today · 4.125%
HK$111,044
baseline
▲ 0.50% · 4.625%
HK$116,897
+HK$5,853/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,088/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,575 · Scale 2, in force from 26 Feb 2026)