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$52,586
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,222
−HK$1,662/mo
Today · 4.125%
HK$55,884
baseline
▲ 0.50% · 4.625%
HK$59,284
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,768/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,502
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,071
−HK$1,591/mo
Today · 4.125%
HK$61,662
baseline
▲ 0.50% · 4.625%
HK$64,912
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,324/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,103
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,066
−HK$1,994/mo
Today · 4.125%
HK$67,060
baseline
▲ 0.50% · 4.625%
HK$71,141
+HK$4,081/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$134,120/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,202
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,085
−HK$1,910/mo
Today · 4.125%
HK$73,995
baseline
▲ 0.50% · 4.625%
HK$77,895
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$147,990/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,621
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,911
−HK$2,326/mo
Today · 4.125%
HK$78,237
baseline
▲ 0.50% · 4.625%
HK$82,998
+HK$4,761/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,474/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,902
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,099
−HK$2,228/mo
Today · 4.125%
HK$86,327
baseline
▲ 0.50% · 4.625%
HK$90,877
+HK$4,550/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,654/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,655
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,599
−HK$2,992/mo
Today · 4.125%
HK$100,591
baseline
▲ 0.50% · 4.625%
HK$106,711
+HK$6,120/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,182/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,303
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,127
−HK$2,865/mo
Today · 4.125%
HK$110,992
baseline
▲ 0.50% · 4.625%
HK$116,842
+HK$5,850/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$221,984/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,114 · Scale 2, in force from 26 Feb 2026)