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$52,684
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,323
−HK$1,665/mo
Today · 4.125%
HK$55,988
baseline
▲ 0.50% · 4.625%
HK$59,394
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,976/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,610
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,182
−HK$1,595/mo
Today · 4.125%
HK$61,777
baseline
▲ 0.50% · 4.625%
HK$65,033
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,554/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,221
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,187
−HK$1,998/mo
Today · 4.125%
HK$67,185
baseline
▲ 0.50% · 4.625%
HK$71,273
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,370/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,332
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,219
−HK$1,913/mo
Today · 4.125%
HK$74,132
baseline
▲ 0.50% · 4.625%
HK$78,040
+HK$3,908/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,264/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,757
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,052
−HK$2,331/mo
Today · 4.125%
HK$78,383
baseline
▲ 0.50% · 4.625%
HK$83,152
+HK$4,769/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,766/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,054
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,255
−HK$2,233/mo
Today · 4.125%
HK$86,488
baseline
▲ 0.50% · 4.625%
HK$91,046
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,976/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,831
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,781
−HK$2,997/mo
Today · 4.125%
HK$100,778
baseline
▲ 0.50% · 4.625%
HK$106,910
+HK$6,132/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,556/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,499
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,328
−HK$2,870/mo
Today · 4.125%
HK$111,198
baseline
▲ 0.50% · 4.625%
HK$117,060
+HK$5,862/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,396/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,936 · Scale 2, in force from 26 Feb 2026)