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$52,671
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,310
−HK$1,664/mo
Today · 4.125%
HK$55,974
baseline
▲ 0.50% · 4.625%
HK$59,380
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,948/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,596
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,168
−HK$1,594/mo
Today · 4.125%
HK$61,762
baseline
▲ 0.50% · 4.625%
HK$65,018
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,524/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,206
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,172
−HK$1,997/mo
Today · 4.125%
HK$67,169
baseline
▲ 0.50% · 4.625%
HK$71,256
+HK$4,087/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,338/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,316
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,202
−HK$1,913/mo
Today · 4.125%
HK$74,115
baseline
▲ 0.50% · 4.625%
HK$78,021
+HK$3,906/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,230/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,740
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,034
−HK$2,330/mo
Today · 4.125%
HK$78,364
baseline
▲ 0.50% · 4.625%
HK$83,132
+HK$4,768/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,728/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,035
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,235
−HK$2,232/mo
Today · 4.125%
HK$86,467
baseline
▲ 0.50% · 4.625%
HK$91,025
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,934/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,809
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,758
−HK$2,996/mo
Today · 4.125%
HK$100,754
baseline
▲ 0.50% · 4.625%
HK$106,885
+HK$6,131/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,508/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,474
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,302
−HK$2,870/mo
Today · 4.125%
HK$111,172
baseline
▲ 0.50% · 4.625%
HK$117,032
+HK$5,860/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,344/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,704 · Scale 2, in force from 26 Feb 2026)