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$52,670
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,308
−HK$1,665/mo
Today · 4.125%
HK$55,973
baseline
▲ 0.50% · 4.625%
HK$59,378
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,946/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,595
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,166
−HK$1,594/mo
Today · 4.125%
HK$61,760
baseline
▲ 0.50% · 4.625%
HK$65,016
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,520/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,204
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,170
−HK$1,997/mo
Today · 4.125%
HK$67,167
baseline
▲ 0.50% · 4.625%
HK$71,254
+HK$4,087/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,334/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,314
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,199
−HK$1,913/mo
Today · 4.125%
HK$74,112
baseline
▲ 0.50% · 4.625%
HK$78,019
+HK$3,907/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,224/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,738
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,031
−HK$2,331/mo
Today · 4.125%
HK$78,362
baseline
▲ 0.50% · 4.625%
HK$83,130
+HK$4,768/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,724/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,032
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,233
−HK$2,231/mo
Today · 4.125%
HK$86,464
baseline
▲ 0.50% · 4.625%
HK$91,022
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,928/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,806
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,755
−HK$2,996/mo
Today · 4.125%
HK$100,751
baseline
▲ 0.50% · 4.625%
HK$106,881
+HK$6,130/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,502/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,470
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,299
−HK$2,870/mo
Today · 4.125%
HK$111,169
baseline
▲ 0.50% · 4.625%
HK$117,028
+HK$5,859/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,338/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,673 · Scale 2, in force from 26 Feb 2026)