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$52,584
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,219
−HK$1,662/mo
Today · 4.125%
HK$55,881
baseline
▲ 0.50% · 4.625%
HK$59,281
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,762/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,499
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,068
−HK$1,591/mo
Today · 4.125%
HK$61,659
baseline
▲ 0.50% · 4.625%
HK$64,909
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,318/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,100
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,063
−HK$1,994/mo
Today · 4.125%
HK$67,057
baseline
▲ 0.50% · 4.625%
HK$71,137
+HK$4,080/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$134,114/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,198
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,081
−HK$1,910/mo
Today · 4.125%
HK$73,991
baseline
▲ 0.50% · 4.625%
HK$77,891
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$147,982/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,617
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,907
−HK$2,326/mo
Today · 4.125%
HK$78,233
baseline
▲ 0.50% · 4.625%
HK$82,994
+HK$4,761/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,466/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,898
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,095
−HK$2,228/mo
Today · 4.125%
HK$86,323
baseline
▲ 0.50% · 4.625%
HK$90,873
+HK$4,550/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,646/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,650
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,595
−HK$2,991/mo
Today · 4.125%
HK$100,586
baseline
▲ 0.50% · 4.625%
HK$106,706
+HK$6,120/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,172/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,298
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,122
−HK$2,865/mo
Today · 4.125%
HK$110,987
baseline
▲ 0.50% · 4.625%
HK$116,837
+HK$5,850/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,974/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,066 · Scale 2, in force from 26 Feb 2026)