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$52,682
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,321
−HK$1,665/mo
Today · 4.125%
HK$55,986
baseline
▲ 0.50% · 4.625%
HK$59,392
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,972/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,608
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,180
−HK$1,595/mo
Today · 4.125%
HK$61,775
baseline
▲ 0.50% · 4.625%
HK$65,031
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,550/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,218
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,185
−HK$1,998/mo
Today · 4.125%
HK$67,183
baseline
▲ 0.50% · 4.625%
HK$71,271
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,366/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,330
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,216
−HK$1,914/mo
Today · 4.125%
HK$74,130
baseline
▲ 0.50% · 4.625%
HK$78,037
+HK$3,907/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,260/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,755
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,049
−HK$2,331/mo
Today · 4.125%
HK$78,380
baseline
▲ 0.50% · 4.625%
HK$83,149
+HK$4,769/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,760/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,052
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,252
−HK$2,233/mo
Today · 4.125%
HK$86,485
baseline
▲ 0.50% · 4.625%
HK$91,043
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,970/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,828
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,777
−HK$2,997/mo
Today · 4.125%
HK$100,774
baseline
▲ 0.50% · 4.625%
HK$106,906
+HK$6,132/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,548/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,495
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,324
−HK$2,870/mo
Today · 4.125%
HK$111,194
baseline
▲ 0.50% · 4.625%
HK$117,056
+HK$5,862/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,388/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,902 · Scale 2, in force from 26 Feb 2026)