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$52,602
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,238
−HK$1,663/mo
Today · 4.125%
HK$55,901
baseline
▲ 0.50% · 4.625%
HK$59,302
+HK$3,401/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,802/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,519
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,089
−HK$1,592/mo
Today · 4.125%
HK$61,681
baseline
▲ 0.50% · 4.625%
HK$64,932
+HK$3,251/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,362/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,123
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,086
−HK$1,995/mo
Today · 4.125%
HK$67,081
baseline
▲ 0.50% · 4.625%
HK$71,163
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,162/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,223
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,107
−HK$1,910/mo
Today · 4.125%
HK$74,017
baseline
▲ 0.50% · 4.625%
HK$77,919
+HK$3,902/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,034/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,643
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,934
−HK$2,327/mo
Today · 4.125%
HK$78,261
baseline
▲ 0.50% · 4.625%
HK$83,023
+HK$4,762/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,522/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,927
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,124
−HK$2,229/mo
Today · 4.125%
HK$86,353
baseline
▲ 0.50% · 4.625%
HK$90,905
+HK$4,552/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,706/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,684
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,629
−HK$2,992/mo
Today · 4.125%
HK$100,621
baseline
▲ 0.50% · 4.625%
HK$106,744
+HK$6,123/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,242/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,335
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,160
−HK$2,866/mo
Today · 4.125%
HK$111,026
baseline
▲ 0.50% · 4.625%
HK$116,878
+HK$5,852/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,052/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,413 · Scale 2, in force from 26 Feb 2026)