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$52,679
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,318
−HK$1,665/mo
Today · 4.125%
HK$55,983
baseline
▲ 0.50% · 4.625%
HK$59,389
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,966/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,605
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,177
−HK$1,594/mo
Today · 4.125%
HK$61,771
baseline
▲ 0.50% · 4.625%
HK$65,027
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,542/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,215
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,181
−HK$1,998/mo
Today · 4.125%
HK$67,179
baseline
▲ 0.50% · 4.625%
HK$71,267
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,358/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,326
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,212
−HK$1,913/mo
Today · 4.125%
HK$74,125
baseline
▲ 0.50% · 4.625%
HK$78,033
+HK$3,908/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,250/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,751
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,045
−HK$2,331/mo
Today · 4.125%
HK$78,376
baseline
▲ 0.50% · 4.625%
HK$83,145
+HK$4,769/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,752/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,047
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,247
−HK$2,233/mo
Today · 4.125%
HK$86,480
baseline
▲ 0.50% · 4.625%
HK$91,038
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,960/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,822
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,772
−HK$2,997/mo
Today · 4.125%
HK$100,769
baseline
▲ 0.50% · 4.625%
HK$106,900
+HK$6,131/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,538/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,489
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,318
−HK$2,870/mo
Today · 4.125%
HK$111,188
baseline
▲ 0.50% · 4.625%
HK$117,049
+HK$5,861/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,376/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,847 · Scale 2, in force from 26 Feb 2026)