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$52,678
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,316
−HK$1,665/mo
Today · 4.125%
HK$55,981
baseline
▲ 0.50% · 4.625%
HK$59,387
+HK$3,406/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,962/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,603
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,175
−HK$1,595/mo
Today · 4.125%
HK$61,770
baseline
▲ 0.50% · 4.625%
HK$65,025
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,540/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,213
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,179
−HK$1,998/mo
Today · 4.125%
HK$67,177
baseline
▲ 0.50% · 4.625%
HK$71,265
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,354/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,324
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,210
−HK$1,913/mo
Today · 4.125%
HK$74,123
baseline
▲ 0.50% · 4.625%
HK$78,031
+HK$3,908/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,246/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,749
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,043
−HK$2,330/mo
Today · 4.125%
HK$78,373
baseline
▲ 0.50% · 4.625%
HK$83,142
+HK$4,769/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$156,746/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,045
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,245
−HK$2,232/mo
Today · 4.125%
HK$86,477
baseline
▲ 0.50% · 4.625%
HK$91,036
+HK$4,559/mo
Deposit HK$6.93M · loan HK$16.17M · min. income ≈ HK$172,954/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,820
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,769
−HK$2,997/mo
Today · 4.125%
HK$100,766
baseline
▲ 0.50% · 4.625%
HK$106,897
+HK$6,131/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$201,532/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,486
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,315
−HK$2,870/mo
Today · 4.125%
HK$111,185
baseline
▲ 0.50% · 4.625%
HK$117,046
+HK$5,861/mo
Deposit HK$2.31M · loan HK$20.79M · min. income ≈ HK$222,370/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,820 · Scale 2, in force from 26 Feb 2026)