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$52,606
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,242
−HK$1,663/mo
Today · 4.125%
HK$55,905
baseline
▲ 0.50% · 4.625%
HK$59,306
+HK$3,401/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,810/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,523
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,093
−HK$1,592/mo
Today · 4.125%
HK$61,685
baseline
▲ 0.50% · 4.625%
HK$64,937
+HK$3,252/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,370/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,127
−HK$3,958/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$980,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,228
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,111
−HK$1,911/mo
Today · 4.125%
HK$74,022
baseline
▲ 0.50% · 4.625%
HK$77,924
+HK$3,902/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$980,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,648
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,939
−HK$2,327/mo
Today · 4.125%
HK$78,266
baseline
▲ 0.50% · 4.625%
HK$83,029
+HK$4,763/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$980,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,933
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,130
−HK$2,229/mo
Today · 4.125%
HK$86,359
baseline
▲ 0.50% · 4.625%
HK$90,911
+HK$4,552/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,718/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,690
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,636
−HK$2,992/mo
Today · 4.125%
HK$100,628
baseline
▲ 0.50% · 4.625%
HK$106,751
+HK$6,123/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,256/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,342
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,167
−HK$2,866/mo
Today · 4.125%
HK$111,033
baseline
▲ 0.50% · 4.625%
HK$116,886
+HK$5,853/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,066/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,479 · Scale 2, in force from 26 Feb 2026)