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$52,628
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,265
−HK$1,663/mo
Today · 4.125%
HK$55,928
baseline
▲ 0.50% · 4.625%
HK$59,331
+HK$3,403/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,856/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,548
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,118
−HK$1,593/mo
Today · 4.125%
HK$61,711
baseline
▲ 0.50% · 4.625%
HK$64,964
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,422/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,154
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,118
−HK$1,996/mo
Today · 4.125%
HK$67,114
baseline
▲ 0.50% · 4.625%
HK$71,198
+HK$4,084/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,228/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,258
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,142
−HK$1,912/mo
Today · 4.125%
HK$74,054
baseline
▲ 0.50% · 4.625%
HK$77,957
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,108/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,679
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,971
−HK$2,329/mo
Today · 4.125%
HK$78,300
baseline
▲ 0.50% · 4.625%
HK$83,064
+HK$4,764/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$156,600/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,968
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,166
−HK$2,230/mo
Today · 4.125%
HK$86,396
baseline
▲ 0.50% · 4.625%
HK$90,950
+HK$4,554/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$172,792/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,731
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,677
−HK$2,994/mo
Today · 4.125%
HK$100,671
baseline
▲ 0.50% · 4.625%
HK$106,797
+HK$6,126/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,342/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,387
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,213
−HK$2,868/mo
Today · 4.125%
HK$111,081
baseline
▲ 0.50% · 4.625%
HK$116,936
+HK$5,855/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,162/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,897 · Scale 2, in force from 26 Feb 2026)