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$52,604
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,241
−HK$1,662/mo
Today · 4.125%
HK$55,903
baseline
▲ 0.50% · 4.625%
HK$59,305
+HK$3,402/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,806/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,522
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,091
−HK$1,593/mo
Today · 4.125%
HK$61,684
baseline
▲ 0.50% · 4.625%
HK$64,935
+HK$3,251/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,368/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,125
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,089
−HK$1,995/mo
Today · 4.125%
HK$67,084
baseline
▲ 0.50% · 4.625%
HK$71,166
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,168/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,226
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,110
−HK$1,910/mo
Today · 4.125%
HK$74,020
baseline
▲ 0.50% · 4.625%
HK$77,922
+HK$3,902/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,040/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,646
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,937
−HK$2,327/mo
Today · 4.125%
HK$78,264
baseline
▲ 0.50% · 4.625%
HK$83,027
+HK$4,763/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,528/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,931
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,128
−HK$2,229/mo
Today · 4.125%
HK$86,357
baseline
▲ 0.50% · 4.625%
HK$90,909
+HK$4,552/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,714/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,688
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,633
−HK$2,993/mo
Today · 4.125%
HK$100,626
baseline
▲ 0.50% · 4.625%
HK$106,748
+HK$6,122/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,252/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,339
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,164
−HK$2,866/mo
Today · 4.125%
HK$111,030
baseline
▲ 0.50% · 4.625%
HK$116,883
+HK$5,853/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,060/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,454 · Scale 2, in force from 26 Feb 2026)