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$52,668
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,306
−HK$1,665/mo
Today · 4.125%
HK$55,971
baseline
▲ 0.50% · 4.625%
HK$59,376
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,942/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,593
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,164
−HK$1,594/mo
Today · 4.125%
HK$61,758
baseline
▲ 0.50% · 4.625%
HK$65,014
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,516/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,202
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,168
−HK$1,997/mo
Today · 4.125%
HK$67,165
baseline
▲ 0.50% · 4.625%
HK$71,252
+HK$4,087/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,330/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,311
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,197
−HK$1,913/mo
Today · 4.125%
HK$74,110
baseline
▲ 0.50% · 4.625%
HK$78,016
+HK$3,906/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,220/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,735
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,029
−HK$2,330/mo
Today · 4.125%
HK$78,359
baseline
▲ 0.50% · 4.625%
HK$83,127
+HK$4,768/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,718/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,030
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,230
−HK$2,232/mo
Today · 4.125%
HK$86,462
baseline
▲ 0.50% · 4.625%
HK$91,019
+HK$4,557/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,924/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,802
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,751
−HK$2,996/mo
Today · 4.125%
HK$100,747
baseline
▲ 0.50% · 4.625%
HK$106,878
+HK$6,131/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,494/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,467
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,295
−HK$2,870/mo
Today · 4.125%
HK$111,165
baseline
▲ 0.50% · 4.625%
HK$117,025
+HK$5,860/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,330/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,641 · Scale 2, in force from 26 Feb 2026)