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$52,675
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,313
−HK$1,665/mo
Today · 4.125%
HK$55,978
baseline
▲ 0.50% · 4.625%
HK$59,384
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,956/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,600
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,172
−HK$1,594/mo
Today · 4.125%
HK$61,766
baseline
▲ 0.50% · 4.625%
HK$65,022
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,532/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,210
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,176
−HK$1,998/mo
Today · 4.125%
HK$67,174
baseline
▲ 0.50% · 4.625%
HK$71,261
+HK$4,087/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,348/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,320
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,206
−HK$1,913/mo
Today · 4.125%
HK$74,119
baseline
▲ 0.50% · 4.625%
HK$78,026
+HK$3,907/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,238/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,745
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,039
−HK$2,330/mo
Today · 4.125%
HK$78,369
baseline
▲ 0.50% · 4.625%
HK$83,138
+HK$4,769/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,738/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,040
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,241
−HK$2,232/mo
Today · 4.125%
HK$86,473
baseline
▲ 0.50% · 4.625%
HK$91,031
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,946/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,815
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,764
−HK$2,996/mo
Today · 4.125%
HK$100,760
baseline
▲ 0.50% · 4.625%
HK$106,891
+HK$6,131/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,520/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,480
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,309
−HK$2,870/mo
Today · 4.125%
HK$111,179
baseline
▲ 0.50% · 4.625%
HK$117,040
+HK$5,861/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,358/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,767 · Scale 2, in force from 26 Feb 2026)