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$52,626
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,263
−HK$1,664/mo
Today · 4.125%
HK$55,927
baseline
▲ 0.50% · 4.625%
HK$59,330
+HK$3,403/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,854/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,546
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,117
−HK$1,593/mo
Today · 4.125%
HK$61,710
baseline
▲ 0.50% · 4.625%
HK$64,962
+HK$3,252/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,420/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,152
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,116
−HK$1,996/mo
Today · 4.125%
HK$67,112
baseline
▲ 0.50% · 4.625%
HK$71,196
+HK$4,084/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,224/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,256
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,140
−HK$1,911/mo
Today · 4.125%
HK$74,051
baseline
▲ 0.50% · 4.625%
HK$77,955
+HK$3,904/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,102/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,677
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,969
−HK$2,328/mo
Today · 4.125%
HK$78,297
baseline
▲ 0.50% · 4.625%
HK$83,062
+HK$4,765/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$156,594/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,965
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,163
−HK$2,230/mo
Today · 4.125%
HK$86,393
baseline
▲ 0.50% · 4.625%
HK$90,947
+HK$4,554/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$172,786/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,728
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,674
−HK$2,994/mo
Today · 4.125%
HK$100,668
baseline
▲ 0.50% · 4.625%
HK$106,793
+HK$6,125/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,336/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,384
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$108,210
−HK$2,867/mo
Today · 4.125%
HK$111,077
baseline
▲ 0.50% · 4.625%
HK$116,932
+HK$5,855/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,154/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,867 · Scale 2, in force from 26 Feb 2026)