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$52,662
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,300
−HK$1,664/mo
Today · 4.125%
HK$55,964
baseline
▲ 0.50% · 4.625%
HK$59,369
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,928/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,586
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,157
−HK$1,594/mo
Today · 4.125%
HK$61,751
baseline
▲ 0.50% · 4.625%
HK$65,006
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,502/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,194
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,160
−HK$1,997/mo
Today · 4.125%
HK$67,157
baseline
▲ 0.50% · 4.625%
HK$71,243
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,314/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,303
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,188
−HK$1,913/mo
Today · 4.125%
HK$74,101
baseline
▲ 0.50% · 4.625%
HK$78,007
+HK$3,906/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,202/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,726
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,020
−HK$2,330/mo
Today · 4.125%
HK$78,350
baseline
▲ 0.50% · 4.625%
HK$83,117
+HK$4,767/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,700/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,020
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,219
−HK$2,232/mo
Today · 4.125%
HK$86,451
baseline
▲ 0.50% · 4.625%
HK$91,008
+HK$4,557/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,902/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,791
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$97,739
−HK$2,996/mo
Today · 4.125%
HK$100,735
baseline
▲ 0.50% · 4.625%
HK$106,865
+HK$6,130/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,470/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,454
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,282
−HK$2,869/mo
Today · 4.125%
HK$111,151
baseline
▲ 0.50% · 4.625%
HK$117,010
+HK$5,859/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,302/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,521 · Scale 2, in force from 26 Feb 2026)