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$52,690
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,329
−HK$1,665/mo
Today · 4.125%
HK$55,994
baseline
▲ 0.50% · 4.625%
HK$59,401
+HK$3,407/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,988/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,617
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,189
−HK$1,595/mo
Today · 4.125%
HK$61,784
baseline
▲ 0.50% · 4.625%
HK$65,041
+HK$3,257/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,568/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,228
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,195
−HK$1,998/mo
Today · 4.125%
HK$67,193
baseline
▲ 0.50% · 4.625%
HK$71,282
+HK$4,089/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,386/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$982,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,341
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,227
−HK$1,914/mo
Today · 4.125%
HK$74,141
baseline
▲ 0.50% · 4.625%
HK$78,049
+HK$3,908/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,282/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$982,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,766
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,061
−HK$2,331/mo
Today · 4.125%
HK$78,392
baseline
▲ 0.50% · 4.625%
HK$83,162
+HK$4,770/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,784/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$982,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,064
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,265
−HK$2,233/mo
Today · 4.125%
HK$86,498
baseline
▲ 0.50% · 4.625%
HK$91,057
+HK$4,559/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,996/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$982,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,842
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,792
−HK$2,998/mo
Today · 4.125%
HK$100,790
baseline
▲ 0.50% · 4.625%
HK$106,922
+HK$6,132/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,580/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,511
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$108,341
−HK$2,870/mo
Today · 4.125%
HK$111,211
baseline
▲ 0.50% · 4.625%
HK$117,074
+HK$5,863/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,422/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,052 · Scale 2, in force from 26 Feb 2026)