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$52,588
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,223
−HK$1,662/mo
Today · 4.125%
HK$55,885
baseline
▲ 0.50% · 4.625%
HK$59,286
+HK$3,401/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,770/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,503
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,072
−HK$1,592/mo
Today · 4.125%
HK$61,664
baseline
▲ 0.50% · 4.625%
HK$64,914
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,328/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,105
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,068
−HK$1,994/mo
Today · 4.125%
HK$67,062
baseline
▲ 0.50% · 4.625%
HK$71,143
+HK$4,081/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$134,124/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,204
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,087
−HK$1,910/mo
Today · 4.125%
HK$73,997
baseline
▲ 0.50% · 4.625%
HK$77,897
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$147,994/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,623
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,326/mo
Today · 4.125%
HK$78,239
baseline
▲ 0.50% · 4.625%
HK$83,000
+HK$4,761/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,478/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,904
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,101
−HK$2,228/mo
Today · 4.125%
HK$86,329
baseline
▲ 0.50% · 4.625%
HK$90,880
+HK$4,551/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,658/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,658
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,602
−HK$2,991/mo
Today · 4.125%
HK$100,593
baseline
▲ 0.50% · 4.625%
HK$106,714
+HK$6,121/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,186/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,306
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,130
−HK$2,865/mo
Today · 4.125%
HK$110,995
baseline
▲ 0.50% · 4.625%
HK$116,846
+HK$5,851/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$221,990/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,141 · Scale 2, in force from 26 Feb 2026)