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$52,661
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,299
−HK$1,664/mo
Today · 4.125%
HK$55,963
baseline
▲ 0.50% · 4.625%
HK$59,368
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,926/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,585
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,156
−HK$1,594/mo
Today · 4.125%
HK$61,750
baseline
▲ 0.50% · 4.625%
HK$65,005
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,500/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,193
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,159
−HK$1,997/mo
Today · 4.125%
HK$67,156
baseline
▲ 0.50% · 4.625%
HK$71,242
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,312/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,302
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,187
−HK$1,913/mo
Today · 4.125%
HK$74,100
baseline
▲ 0.50% · 4.625%
HK$78,006
+HK$3,906/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,200/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,725
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,018
−HK$2,330/mo
Today · 4.125%
HK$78,348
baseline
▲ 0.50% · 4.625%
HK$83,116
+HK$4,768/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,696/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,019
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,218
−HK$2,232/mo
Today · 4.125%
HK$86,450
baseline
▲ 0.50% · 4.625%
HK$91,007
+HK$4,557/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,900/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,790
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$97,738
−HK$2,996/mo
Today · 4.125%
HK$100,734
baseline
▲ 0.50% · 4.625%
HK$106,863
+HK$6,129/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,468/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,452
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,281
−HK$2,869/mo
Today · 4.125%
HK$111,150
baseline
▲ 0.50% · 4.625%
HK$117,009
+HK$5,859/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,300/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,507 · Scale 2, in force from 26 Feb 2026)