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$52,607
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,244
−HK$1,662/mo
Today · 4.125%
HK$55,906
baseline
▲ 0.50% · 4.625%
HK$59,308
+HK$3,402/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,812/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,525
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,095
−HK$1,592/mo
Today · 4.125%
HK$61,687
baseline
▲ 0.50% · 4.625%
HK$64,939
+HK$3,252/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,374/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$980,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,129
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,092
−HK$1,995/mo
Today · 4.125%
HK$67,087
baseline
▲ 0.50% · 4.625%
HK$71,169
+HK$4,082/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$134,174/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,230
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,114
−HK$1,910/mo
Today · 4.125%
HK$74,024
baseline
▲ 0.50% · 4.625%
HK$77,926
+HK$3,902/mo
Deposit HK$9.23M · loan HK$13.84M · min. income ≈ HK$148,048/mo (50% DSR)
Upfront cash ≈ HK$10.21M (deposit + AVD stamp duty HK$980,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,650
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,941
−HK$2,328/mo
Today · 4.125%
HK$78,269
baseline
▲ 0.50% · 4.625%
HK$83,031
+HK$4,762/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$156,538/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,935
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,132
−HK$2,230/mo
Today · 4.125%
HK$86,362
baseline
▲ 0.50% · 4.625%
HK$90,914
+HK$4,552/mo
Deposit HK$6.92M · loan HK$16.15M · min. income ≈ HK$172,724/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,693
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,638
−HK$2,993/mo
Today · 4.125%
HK$100,631
baseline
▲ 0.50% · 4.625%
HK$106,754
+HK$6,123/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$201,262/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,345
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,170
−HK$2,866/mo
Today · 4.125%
HK$111,036
baseline
▲ 0.50% · 4.625%
HK$116,889
+HK$5,853/mo
Deposit HK$2.31M · loan HK$20.76M · min. income ≈ HK$222,072/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,507 · Scale 2, in force from 26 Feb 2026)