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$52,675
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,314
−HK$1,665/mo
Today · 4.125%
HK$55,979
baseline
▲ 0.50% · 4.625%
HK$59,385
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,958/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,601
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,172
−HK$1,595/mo
Today · 4.125%
HK$61,767
baseline
▲ 0.50% · 4.625%
HK$65,023
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,534/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,210
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,177
−HK$1,997/mo
Today · 4.125%
HK$67,174
baseline
▲ 0.50% · 4.625%
HK$71,262
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,348/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,321
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,207
−HK$1,913/mo
Today · 4.125%
HK$74,120
baseline
▲ 0.50% · 4.625%
HK$78,027
+HK$3,907/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,240/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,745
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,039
−HK$2,331/mo
Today · 4.125%
HK$78,370
baseline
▲ 0.50% · 4.625%
HK$83,139
+HK$4,769/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,740/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,041
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,241
−HK$2,233/mo
Today · 4.125%
HK$86,474
baseline
▲ 0.50% · 4.625%
HK$91,032
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,948/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,816
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,765
−HK$2,996/mo
Today · 4.125%
HK$100,761
baseline
▲ 0.50% · 4.625%
HK$106,892
+HK$6,131/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,522/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,481
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,310
−HK$2,870/mo
Today · 4.125%
HK$111,180
baseline
▲ 0.50% · 4.625%
HK$117,041
+HK$5,861/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,360/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,777 · Scale 2, in force from 26 Feb 2026)