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$52,656
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,294
−HK$1,664/mo
Today · 4.125%
HK$55,958
baseline
▲ 0.50% · 4.625%
HK$59,363
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,916/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,580
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,151
−HK$1,594/mo
Today · 4.125%
HK$61,745
baseline
▲ 0.50% · 4.625%
HK$64,999
+HK$3,254/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,490/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,188
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,153
−HK$1,997/mo
Today · 4.125%
HK$67,150
baseline
▲ 0.50% · 4.625%
HK$71,236
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,300/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,296
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,181
−HK$1,913/mo
Today · 4.125%
HK$74,094
baseline
▲ 0.50% · 4.625%
HK$77,999
+HK$3,905/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,188/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,719
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,012
−HK$2,330/mo
Today · 4.125%
HK$78,342
baseline
▲ 0.50% · 4.625%
HK$83,109
+HK$4,767/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$156,684/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,012
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,211
−HK$2,231/mo
Today · 4.125%
HK$86,442
baseline
▲ 0.50% · 4.625%
HK$90,999
+HK$4,557/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$172,884/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,782
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,730
−HK$2,995/mo
Today · 4.125%
HK$100,725
baseline
▲ 0.50% · 4.625%
HK$106,854
+HK$6,129/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,450/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,443
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,271
−HK$2,869/mo
Today · 4.125%
HK$111,140
baseline
▲ 0.50% · 4.625%
HK$116,999
+HK$5,859/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,280/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,424 · Scale 2, in force from 26 Feb 2026)