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$52,672
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,311
−HK$1,664/mo
Today · 4.125%
HK$55,975
baseline
▲ 0.50% · 4.625%
HK$59,381
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,950/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,597
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,169
−HK$1,594/mo
Today · 4.125%
HK$61,763
baseline
▲ 0.50% · 4.625%
HK$65,019
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,526/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,207
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,173
−HK$1,997/mo
Today · 4.125%
HK$67,170
baseline
▲ 0.50% · 4.625%
HK$71,257
+HK$4,087/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,340/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,317
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,203
−HK$1,913/mo
Today · 4.125%
HK$74,116
baseline
▲ 0.50% · 4.625%
HK$78,023
+HK$3,907/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,232/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,741
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,035
−HK$2,330/mo
Today · 4.125%
HK$78,365
baseline
▲ 0.50% · 4.625%
HK$83,134
+HK$4,769/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,730/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,036
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,236
−HK$2,232/mo
Today · 4.125%
HK$86,468
baseline
▲ 0.50% · 4.625%
HK$91,026
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,936/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,810
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,759
−HK$2,996/mo
Today · 4.125%
HK$100,755
baseline
▲ 0.50% · 4.625%
HK$106,886
+HK$6,131/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,510/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,475
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,304
−HK$2,870/mo
Today · 4.125%
HK$111,174
baseline
▲ 0.50% · 4.625%
HK$117,034
+HK$5,860/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,348/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,719 · Scale 2, in force from 26 Feb 2026)