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$52,581
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,217
−HK$1,661/mo
Today · 4.125%
HK$55,878
baseline
▲ 0.50% · 4.625%
HK$59,278
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,756/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,496
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,065
−HK$1,591/mo
Today · 4.125%
HK$61,656
baseline
▲ 0.50% · 4.625%
HK$64,906
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,312/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,097
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,060
−HK$1,994/mo
Today · 4.125%
HK$67,054
baseline
▲ 0.50% · 4.625%
HK$71,134
+HK$4,080/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$134,108/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,195
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,078
−HK$1,909/mo
Today · 4.125%
HK$73,987
baseline
▲ 0.50% · 4.625%
HK$77,887
+HK$3,900/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$147,974/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,613
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,903
−HK$2,327/mo
Today · 4.125%
HK$78,230
baseline
▲ 0.50% · 4.625%
HK$82,990
+HK$4,760/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,460/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,894
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,091
−HK$2,228/mo
Today · 4.125%
HK$86,319
baseline
▲ 0.50% · 4.625%
HK$90,869
+HK$4,550/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,638/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,646
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,590
−HK$2,991/mo
Today · 4.125%
HK$100,581
baseline
▲ 0.50% · 4.625%
HK$106,701
+HK$6,120/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,162/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,292
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,116
−HK$2,865/mo
Today · 4.125%
HK$110,981
baseline
▲ 0.50% · 4.625%
HK$116,831
+HK$5,850/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,962/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,018 · Scale 2, in force from 26 Feb 2026)