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$52,659
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,296
−HK$1,665/mo
Today · 4.125%
HK$55,961
baseline
▲ 0.50% · 4.625%
HK$59,366
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,922/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,582
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,153
−HK$1,594/mo
Today · 4.125%
HK$61,747
baseline
▲ 0.50% · 4.625%
HK$65,002
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,494/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,190
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,156
−HK$1,997/mo
Today · 4.125%
HK$67,153
baseline
▲ 0.50% · 4.625%
HK$71,239
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,306/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,298
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,184
−HK$1,912/mo
Today · 4.125%
HK$74,096
baseline
▲ 0.50% · 4.625%
HK$78,002
+HK$3,906/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,192/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,722
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,015
−HK$2,330/mo
Today · 4.125%
HK$78,345
baseline
▲ 0.50% · 4.625%
HK$83,112
+HK$4,767/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,690/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,015
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,214
−HK$2,232/mo
Today · 4.125%
HK$86,446
baseline
▲ 0.50% · 4.625%
HK$91,003
+HK$4,557/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,892/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,785
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$97,734
−HK$2,995/mo
Today · 4.125%
HK$100,729
baseline
▲ 0.50% · 4.625%
HK$106,858
+HK$6,129/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,458/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,448
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,276
−HK$2,869/mo
Today · 4.125%
HK$111,145
baseline
▲ 0.50% · 4.625%
HK$117,003
+HK$5,858/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,290/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,463 · Scale 2, in force from 26 Feb 2026)