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$52,647
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,285
−HK$1,663/mo
Today · 4.125%
HK$55,948
baseline
▲ 0.50% · 4.625%
HK$59,353
+HK$3,405/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,896/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,569
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,140
−HK$1,594/mo
Today · 4.125%
HK$61,734
baseline
▲ 0.50% · 4.625%
HK$64,988
+HK$3,254/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,468/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,176
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,142
−HK$1,996/mo
Today · 4.125%
HK$67,138
baseline
▲ 0.50% · 4.625%
HK$71,223
+HK$4,085/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$134,276/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,283
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,168
−HK$1,912/mo
Today · 4.125%
HK$74,080
baseline
▲ 0.50% · 4.625%
HK$77,985
+HK$3,905/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$148,160/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,706
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,998
−HK$2,330/mo
Today · 4.125%
HK$78,328
baseline
▲ 0.50% · 4.625%
HK$83,094
+HK$4,766/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$156,656/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,997
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,196
−HK$2,231/mo
Today · 4.125%
HK$86,427
baseline
▲ 0.50% · 4.625%
HK$90,983
+HK$4,556/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$172,854/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,765
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,712
−HK$2,995/mo
Today · 4.125%
HK$100,707
baseline
▲ 0.50% · 4.625%
HK$106,835
+HK$6,128/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,414/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,425
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,252
−HK$2,868/mo
Today · 4.125%
HK$111,120
baseline
▲ 0.50% · 4.625%
HK$116,978
+HK$5,858/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,240/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,248 · Scale 2, in force from 26 Feb 2026)