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$52,687
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,326
−HK$1,665/mo
Today · 4.125%
HK$55,991
baseline
▲ 0.50% · 4.625%
HK$59,398
+HK$3,407/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,982/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$982,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,614
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,186
−HK$1,595/mo
Today · 4.125%
HK$61,781
baseline
▲ 0.50% · 4.625%
HK$65,037
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,562/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$982,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,225
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,191
−HK$1,999/mo
Today · 4.125%
HK$67,190
baseline
▲ 0.50% · 4.625%
HK$71,278
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,380/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$982,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,337
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,223
−HK$1,914/mo
Today · 4.125%
HK$74,137
baseline
▲ 0.50% · 4.625%
HK$78,045
+HK$3,908/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,274/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$982,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,762
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,057
−HK$2,331/mo
Today · 4.125%
HK$78,388
baseline
▲ 0.50% · 4.625%
HK$83,158
+HK$4,770/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,776/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$982,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,060
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,261
−HK$2,232/mo
Today · 4.125%
HK$86,493
baseline
▲ 0.50% · 4.625%
HK$91,052
+HK$4,559/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,986/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$982,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,837
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,787
−HK$2,997/mo
Today · 4.125%
HK$100,784
baseline
▲ 0.50% · 4.625%
HK$106,917
+HK$6,133/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,568/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,505
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,335
−HK$2,871/mo
Today · 4.125%
HK$111,206
baseline
▲ 0.50% · 4.625%
HK$117,067
+HK$5,861/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,412/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,001 · Scale 2, in force from 26 Feb 2026)