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$52,686
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,325
−HK$1,665/mo
Today · 4.125%
HK$55,990
baseline
▲ 0.50% · 4.625%
HK$59,397
+HK$3,407/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,980/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,613
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,185
−HK$1,594/mo
Today · 4.125%
HK$61,779
baseline
▲ 0.50% · 4.625%
HK$65,036
+HK$3,257/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,558/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,223
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,190
−HK$1,998/mo
Today · 4.125%
HK$67,188
baseline
▲ 0.50% · 4.625%
HK$71,276
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,376/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,335
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,222
−HK$1,913/mo
Today · 4.125%
HK$74,135
baseline
▲ 0.50% · 4.625%
HK$78,043
+HK$3,908/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,270/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,761
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,055
−HK$2,331/mo
Today · 4.125%
HK$78,386
baseline
▲ 0.50% · 4.625%
HK$83,156
+HK$4,770/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,772/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,058
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,259
−HK$2,232/mo
Today · 4.125%
HK$86,491
baseline
▲ 0.50% · 4.625%
HK$91,050
+HK$4,559/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,982/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,835
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,785
−HK$2,997/mo
Today · 4.125%
HK$100,782
baseline
▲ 0.50% · 4.625%
HK$106,914
+HK$6,132/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,564/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,503
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$108,333
−HK$2,870/mo
Today · 4.125%
HK$111,203
baseline
▲ 0.50% · 4.625%
HK$117,065
+HK$5,862/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,406/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,978 · Scale 2, in force from 26 Feb 2026)