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$52,605
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,242
−HK$1,662/mo
Today · 4.125%
HK$55,904
baseline
▲ 0.50% · 4.625%
HK$59,306
+HK$3,402/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,808/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,523
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,092
−HK$1,593/mo
Today · 4.125%
HK$61,685
baseline
▲ 0.50% · 4.625%
HK$64,936
+HK$3,251/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,370/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,126
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,090
−HK$1,995/mo
Today · 4.125%
HK$67,085
baseline
▲ 0.50% · 4.625%
HK$71,167
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,170/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,227
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,111
−HK$1,911/mo
Today · 4.125%
HK$74,022
baseline
▲ 0.50% · 4.625%
HK$77,923
+HK$3,901/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,044/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,647
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,938
−HK$2,328/mo
Today · 4.125%
HK$78,266
baseline
▲ 0.50% · 4.625%
HK$83,028
+HK$4,762/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,532/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,932
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,129
−HK$2,229/mo
Today · 4.125%
HK$86,358
baseline
▲ 0.50% · 4.625%
HK$90,911
+HK$4,553/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,716/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,689
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,635
−HK$2,992/mo
Today · 4.125%
HK$100,627
baseline
▲ 0.50% · 4.625%
HK$106,750
+HK$6,123/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,254/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,341
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,166
−HK$2,866/mo
Today · 4.125%
HK$111,032
baseline
▲ 0.50% · 4.625%
HK$116,885
+HK$5,853/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,064/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,471 · Scale 2, in force from 26 Feb 2026)