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$52,653
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,290
−HK$1,664/mo
Today · 4.125%
HK$55,954
baseline
▲ 0.50% · 4.625%
HK$59,359
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,908/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,576
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,147
−HK$1,593/mo
Today · 4.125%
HK$61,740
baseline
▲ 0.50% · 4.625%
HK$64,995
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,480/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,183
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,149
−HK$1,996/mo
Today · 4.125%
HK$67,145
baseline
▲ 0.50% · 4.625%
HK$71,231
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$134,290/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,291
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,176
−HK$1,912/mo
Today · 4.125%
HK$74,088
baseline
▲ 0.50% · 4.625%
HK$77,994
+HK$3,906/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$148,176/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,714
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,007
−HK$2,329/mo
Today · 4.125%
HK$78,336
baseline
▲ 0.50% · 4.625%
HK$83,103
+HK$4,767/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$156,672/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,006
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,205
−HK$2,231/mo
Today · 4.125%
HK$86,436
baseline
▲ 0.50% · 4.625%
HK$90,993
+HK$4,557/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$172,872/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,775
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,723
−HK$2,995/mo
Today · 4.125%
HK$100,718
baseline
▲ 0.50% · 4.625%
HK$106,847
+HK$6,129/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,436/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,436
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,264
−HK$2,868/mo
Today · 4.125%
HK$111,132
baseline
▲ 0.50% · 4.625%
HK$116,990
+HK$5,858/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,264/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,355 · Scale 2, in force from 26 Feb 2026)