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$52,665
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,304
−HK$1,664/mo
Today · 4.125%
HK$55,968
baseline
▲ 0.50% · 4.625%
HK$59,373
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,936/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,590
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,161
−HK$1,594/mo
Today · 4.125%
HK$61,755
baseline
▲ 0.50% · 4.625%
HK$65,010
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,510/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,198
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,164
−HK$1,998/mo
Today · 4.125%
HK$67,162
baseline
▲ 0.50% · 4.625%
HK$71,248
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,324/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,308
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,193
−HK$1,913/mo
Today · 4.125%
HK$74,106
baseline
▲ 0.50% · 4.625%
HK$78,012
+HK$3,906/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,212/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,731
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,025
−HK$2,330/mo
Today · 4.125%
HK$78,355
baseline
▲ 0.50% · 4.625%
HK$83,123
+HK$4,768/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,710/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,026
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,225
−HK$2,232/mo
Today · 4.125%
HK$86,457
baseline
▲ 0.50% · 4.625%
HK$91,014
+HK$4,557/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,914/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,798
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$97,746
−HK$2,996/mo
Today · 4.125%
HK$100,742
baseline
▲ 0.50% · 4.625%
HK$106,872
+HK$6,130/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,484/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,461
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,290
−HK$2,869/mo
Today · 4.125%
HK$111,159
baseline
▲ 0.50% · 4.625%
HK$117,018
+HK$5,859/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,318/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,590 · Scale 2, in force from 26 Feb 2026)