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$54,309
−HK$1,665/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$981,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,596
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,167
−HK$1,594/mo
Today · 4.125%
HK$61,761
baseline
▲ 0.50% · 4.625%
HK$65,017
+HK$3,256/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,522/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,205
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,171
−HK$1,997/mo
Today · 4.125%
HK$67,168
baseline
▲ 0.50% · 4.625%
HK$71,256
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,336/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,315
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,201
−HK$1,913/mo
Today · 4.125%
HK$74,114
baseline
▲ 0.50% · 4.625%
HK$78,020
+HK$3,906/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,228/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,739
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,033
−HK$2,330/mo
Today · 4.125%
HK$78,363
baseline
▲ 0.50% · 4.625%
HK$83,131
+HK$4,768/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,726/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,034
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,234
−HK$2,232/mo
Today · 4.125%
HK$86,466
baseline
▲ 0.50% · 4.625%
HK$91,024
+HK$4,558/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,932/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,807
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,756
−HK$2,997/mo
Today · 4.125%
HK$100,753
baseline
▲ 0.50% · 4.625%
HK$106,883
+HK$6,130/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,506/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,472
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,301
−HK$2,870/mo
Today · 4.125%
HK$111,171
baseline
▲ 0.50% · 4.625%
HK$117,031
+HK$5,860/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,342/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,692 · Scale 2, in force from 26 Feb 2026)