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$52,658
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,295
−HK$1,665/mo
Today · 4.125%
HK$55,960
baseline
▲ 0.50% · 4.625%
HK$59,365
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,920/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,581
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,152
−HK$1,594/mo
Today · 4.125%
HK$61,746
baseline
▲ 0.50% · 4.625%
HK$65,001
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,492/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,189
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,155
−HK$1,997/mo
Today · 4.125%
HK$67,152
baseline
▲ 0.50% · 4.625%
HK$71,238
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,304/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,297
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,183
−HK$1,912/mo
Today · 4.125%
HK$74,095
baseline
▲ 0.50% · 4.625%
HK$78,001
+HK$3,906/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,190/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,721
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,014
−HK$2,329/mo
Today · 4.125%
HK$78,343
baseline
▲ 0.50% · 4.625%
HK$83,110
+HK$4,767/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$156,686/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,013
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,213
−HK$2,231/mo
Today · 4.125%
HK$86,444
baseline
▲ 0.50% · 4.625%
HK$91,001
+HK$4,557/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$172,888/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,784
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,732
−HK$2,995/mo
Today · 4.125%
HK$100,727
baseline
▲ 0.50% · 4.625%
HK$106,856
+HK$6,129/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,454/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,446
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,274
−HK$2,869/mo
Today · 4.125%
HK$111,143
baseline
▲ 0.50% · 4.625%
HK$117,001
+HK$5,858/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,286/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,445 · Scale 2, in force from 26 Feb 2026)