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$52,633
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,270
−HK$1,664/mo
Today · 4.125%
HK$55,934
baseline
▲ 0.50% · 4.625%
HK$59,337
+HK$3,403/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,868/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,554
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,124
−HK$1,593/mo
Today · 4.125%
HK$61,717
baseline
▲ 0.50% · 4.625%
HK$64,970
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,434/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,160
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,124
−HK$1,996/mo
Today · 4.125%
HK$67,120
baseline
▲ 0.50% · 4.625%
HK$71,204
+HK$4,084/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,240/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,264
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,149
−HK$1,912/mo
Today · 4.125%
HK$74,061
baseline
▲ 0.50% · 4.625%
HK$77,964
+HK$3,903/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,122/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,686
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,978
−HK$2,329/mo
Today · 4.125%
HK$78,307
baseline
▲ 0.50% · 4.625%
HK$83,072
+HK$4,765/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$156,614/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,975
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,174
−HK$2,230/mo
Today · 4.125%
HK$86,404
baseline
▲ 0.50% · 4.625%
HK$90,959
+HK$4,555/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$172,808/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,739
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,686
−HK$2,994/mo
Today · 4.125%
HK$100,680
baseline
▲ 0.50% · 4.625%
HK$106,807
+HK$6,127/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,360/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,397
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,223
−HK$2,868/mo
Today · 4.125%
HK$111,091
baseline
▲ 0.50% · 4.625%
HK$116,947
+HK$5,856/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,182/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,988 · Scale 2, in force from 26 Feb 2026)