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$54,271
−HK$1,663/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$980,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,554
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,124
−HK$1,594/mo
Today · 4.125%
HK$61,718
baseline
▲ 0.50% · 4.625%
HK$64,971
+HK$3,253/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,436/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,160
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,125
−HK$1,996/mo
Today · 4.125%
HK$67,121
baseline
▲ 0.50% · 4.625%
HK$71,205
+HK$4,084/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,242/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,265
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,149
−HK$1,912/mo
Today · 4.125%
HK$74,061
baseline
▲ 0.50% · 4.625%
HK$77,965
+HK$3,904/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$980,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,687
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,979
−HK$2,328/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$980,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,976
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,174
−HK$2,231/mo
Today · 4.125%
HK$86,405
baseline
▲ 0.50% · 4.625%
HK$90,959
+HK$4,554/mo
Deposit HK$6.92M · loan HK$16.16M · min. income ≈ HK$172,810/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$980,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,740
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,687
−HK$2,994/mo
Today · 4.125%
HK$100,681
baseline
▲ 0.50% · 4.625%
HK$106,807
+HK$6,126/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$201,362/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,397
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,224
−HK$2,868/mo
Today · 4.125%
HK$111,092
baseline
▲ 0.50% · 4.625%
HK$116,947
+HK$5,855/mo
Deposit HK$2.31M · loan HK$20.77M · min. income ≈ HK$222,184/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,994 · Scale 2, in force from 26 Feb 2026)