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$52,651
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,289
−HK$1,664/mo
Today · 4.125%
HK$55,953
baseline
▲ 0.50% · 4.625%
HK$59,357
+HK$3,404/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,906/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,574
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,145
−HK$1,593/mo
Today · 4.125%
HK$61,738
baseline
▲ 0.50% · 4.625%
HK$64,993
+HK$3,255/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,476/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,181
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,147
−HK$1,996/mo
Today · 4.125%
HK$67,143
baseline
▲ 0.50% · 4.625%
HK$71,229
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$134,286/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,289
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,174
−HK$1,912/mo
Today · 4.125%
HK$74,086
baseline
▲ 0.50% · 4.625%
HK$77,991
+HK$3,905/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$148,172/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,712
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,004
−HK$2,330/mo
Today · 4.125%
HK$78,334
baseline
▲ 0.50% · 4.625%
HK$83,100
+HK$4,766/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$156,668/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,003
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,203
−HK$2,231/mo
Today · 4.125%
HK$86,434
baseline
▲ 0.50% · 4.625%
HK$90,990
+HK$4,556/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$172,868/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,772
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,720
−HK$2,995/mo
Today · 4.125%
HK$100,715
baseline
▲ 0.50% · 4.625%
HK$106,843
+HK$6,128/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,430/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,433
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,261
−HK$2,868/mo
Today · 4.125%
HK$111,129
baseline
▲ 0.50% · 4.625%
HK$116,987
+HK$5,858/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,258/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,326 · Scale 2, in force from 26 Feb 2026)