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$52,673
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,312
−HK$1,664/mo
Today · 4.125%
HK$55,976
baseline
▲ 0.50% · 4.625%
HK$59,382
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,952/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,598
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,170
−HK$1,594/mo
Today · 4.125%
HK$61,764
baseline
▲ 0.50% · 4.625%
HK$65,020
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,528/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,208
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,174
−HK$1,997/mo
Today · 4.125%
HK$67,171
baseline
▲ 0.50% · 4.625%
HK$71,259
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,342/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,318
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,204
−HK$1,913/mo
Today · 4.125%
HK$74,117
baseline
▲ 0.50% · 4.625%
HK$78,024
+HK$3,907/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,234/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,742
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,036
−HK$2,331/mo
Today · 4.125%
HK$78,367
baseline
▲ 0.50% · 4.625%
HK$83,135
+HK$4,768/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,734/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,038
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,238
−HK$2,232/mo
Today · 4.125%
HK$86,470
baseline
▲ 0.50% · 4.625%
HK$91,028
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,940/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,812
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,761
−HK$2,996/mo
Today · 4.125%
HK$100,757
baseline
▲ 0.50% · 4.625%
HK$106,888
+HK$6,131/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,514/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,477
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,306
−HK$2,870/mo
Today · 4.125%
HK$111,176
baseline
▲ 0.50% · 4.625%
HK$117,036
+HK$5,860/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,352/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,736 · Scale 2, in force from 26 Feb 2026)