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$52,596
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,232
−HK$1,662/mo
Today · 4.125%
HK$55,894
baseline
▲ 0.50% · 4.625%
HK$59,295
+HK$3,401/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,788/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,512
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,082
−HK$1,592/mo
Today · 4.125%
HK$61,674
baseline
▲ 0.50% · 4.625%
HK$64,925
+HK$3,251/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,348/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,115
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,078
−HK$1,995/mo
Today · 4.125%
HK$67,073
baseline
▲ 0.50% · 4.625%
HK$71,154
+HK$4,081/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,146/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,215
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,098
−HK$1,910/mo
Today · 4.125%
HK$74,008
baseline
▲ 0.50% · 4.625%
HK$77,909
+HK$3,901/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,016/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,634
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,925
−HK$2,327/mo
Today · 4.125%
HK$78,252
baseline
▲ 0.50% · 4.625%
HK$83,013
+HK$4,761/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,504/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,917
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,114
−HK$2,229/mo
Today · 4.125%
HK$86,343
baseline
▲ 0.50% · 4.625%
HK$90,894
+HK$4,551/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,686/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,673
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,618
−HK$2,991/mo
Today · 4.125%
HK$100,609
baseline
▲ 0.50% · 4.625%
HK$106,731
+HK$6,122/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,218/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,322
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,147
−HK$2,866/mo
Today · 4.125%
HK$111,013
baseline
▲ 0.50% · 4.625%
HK$116,864
+HK$5,851/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,026/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,297 · Scale 2, in force from 26 Feb 2026)