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$52,603
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,239
−HK$1,662/mo
Today · 4.125%
HK$55,901
baseline
▲ 0.50% · 4.625%
HK$59,303
+HK$3,402/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$980,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,520
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,089
−HK$1,593/mo
Today · 4.125%
HK$61,682
baseline
▲ 0.50% · 4.625%
HK$64,933
+HK$3,251/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,364/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,123
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,087
−HK$1,995/mo
Today · 4.125%
HK$67,082
baseline
▲ 0.50% · 4.625%
HK$71,163
+HK$4,081/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,164/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,224
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,107
−HK$1,911/mo
Today · 4.125%
HK$74,018
baseline
▲ 0.50% · 4.625%
HK$77,920
+HK$3,902/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,036/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,644
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,935
−HK$2,327/mo
Today · 4.125%
HK$78,262
baseline
▲ 0.50% · 4.625%
HK$83,024
+HK$4,762/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,524/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,928
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,125
−HK$2,229/mo
Today · 4.125%
HK$86,354
baseline
▲ 0.50% · 4.625%
HK$90,906
+HK$4,552/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,708/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,685
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,630
−HK$2,992/mo
Today · 4.125%
HK$100,622
baseline
▲ 0.50% · 4.625%
HK$106,745
+HK$6,123/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,244/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,336
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,161
−HK$2,866/mo
Today · 4.125%
HK$111,027
baseline
▲ 0.50% · 4.625%
HK$116,879
+HK$5,852/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,054/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,423 · Scale 2, in force from 26 Feb 2026)