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$52,585
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,221
−HK$1,662/mo
Today · 4.125%
HK$55,883
baseline
▲ 0.50% · 4.625%
HK$59,283
+HK$3,400/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$111,766/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,500
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,069
−HK$1,592/mo
Today · 4.125%
HK$61,661
baseline
▲ 0.50% · 4.625%
HK$64,911
+HK$3,250/mo
Deposit HK$11.53M · loan HK$11.53M · min. income ≈ HK$123,322/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$980,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,102
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,065
−HK$1,994/mo
Today · 4.125%
HK$67,059
baseline
▲ 0.50% · 4.625%
HK$71,140
+HK$4,081/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$134,118/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,201
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,083
−HK$1,910/mo
Today · 4.125%
HK$73,993
baseline
▲ 0.50% · 4.625%
HK$77,894
+HK$3,901/mo
Deposit HK$9.22M · loan HK$13.84M · min. income ≈ HK$147,986/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$980,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,619
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,909
−HK$2,327/mo
Today · 4.125%
HK$78,236
baseline
▲ 0.50% · 4.625%
HK$82,996
+HK$4,760/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$156,472/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,901
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,097
−HK$2,229/mo
Today · 4.125%
HK$86,326
baseline
▲ 0.50% · 4.625%
HK$90,876
+HK$4,550/mo
Deposit HK$6.92M · loan HK$16.14M · min. income ≈ HK$172,652/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$980,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,653
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,598
−HK$2,991/mo
Today · 4.125%
HK$100,589
baseline
▲ 0.50% · 4.625%
HK$106,710
+HK$6,121/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$201,178/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,301
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,125
−HK$2,865/mo
Today · 4.125%
HK$110,990
baseline
▲ 0.50% · 4.625%
HK$116,840
+HK$5,850/mo
Deposit HK$2.31M · loan HK$20.75M · min. income ≈ HK$221,980/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$980,096 · Scale 2, in force from 26 Feb 2026)