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$52,618
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,255
−HK$1,663/mo
Today · 4.125%
HK$55,918
baseline
▲ 0.50% · 4.625%
HK$59,320
+HK$3,402/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,836/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,537
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,107
−HK$1,593/mo
Today · 4.125%
HK$61,700
baseline
▲ 0.50% · 4.625%
HK$64,952
+HK$3,252/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,400/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,142
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,106
−HK$1,995/mo
Today · 4.125%
HK$67,101
baseline
▲ 0.50% · 4.625%
HK$71,184
+HK$4,083/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,202/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,245
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,129
−HK$1,911/mo
Today · 4.125%
HK$74,040
baseline
▲ 0.50% · 4.625%
HK$77,943
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,080/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,666
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,957
−HK$2,328/mo
Today · 4.125%
HK$78,285
baseline
▲ 0.50% · 4.625%
HK$83,049
+HK$4,764/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,570/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,952
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,150
−HK$2,230/mo
Today · 4.125%
HK$86,380
baseline
▲ 0.50% · 4.625%
HK$90,933
+HK$4,553/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,760/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,713
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,659
−HK$2,993/mo
Today · 4.125%
HK$100,652
baseline
▲ 0.50% · 4.625%
HK$106,777
+HK$6,125/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,304/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,367
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$108,193
−HK$2,867/mo
Today · 4.125%
HK$111,060
baseline
▲ 0.50% · 4.625%
HK$116,914
+HK$5,854/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,120/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,713 · Scale 2, in force from 26 Feb 2026)