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$52,603
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,239
−HK$1,663/mo
Today · 4.125%
HK$55,902
baseline
▲ 0.50% · 4.625%
HK$59,303
+HK$3,401/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,804/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,520
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,090
−HK$1,592/mo
Today · 4.125%
HK$61,682
baseline
▲ 0.50% · 4.625%
HK$64,933
+HK$3,251/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,364/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,124
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,087
−HK$1,995/mo
Today · 4.125%
HK$67,082
baseline
▲ 0.50% · 4.625%
HK$71,164
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,164/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,225
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,108
−HK$1,911/mo
Today · 4.125%
HK$74,019
baseline
▲ 0.50% · 4.625%
HK$77,920
+HK$3,901/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,038/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,644
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,935
−HK$2,327/mo
Today · 4.125%
HK$78,262
baseline
▲ 0.50% · 4.625%
HK$83,025
+HK$4,763/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,524/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,929
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,126
−HK$2,229/mo
Today · 4.125%
HK$86,355
baseline
▲ 0.50% · 4.625%
HK$90,907
+HK$4,552/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,710/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,686
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,631
−HK$2,992/mo
Today · 4.125%
HK$100,623
baseline
▲ 0.50% · 4.625%
HK$106,746
+HK$6,123/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,246/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,337
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,162
−HK$2,866/mo
Today · 4.125%
HK$111,028
baseline
▲ 0.50% · 4.625%
HK$116,880
+HK$5,852/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,056/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,430 · Scale 2, in force from 26 Feb 2026)