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$52,653
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,291
−HK$1,664/mo
Today · 4.125%
HK$55,955
baseline
▲ 0.50% · 4.625%
HK$59,360
+HK$3,405/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,910/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,576
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,147
−HK$1,594/mo
Today · 4.125%
HK$61,741
baseline
▲ 0.50% · 4.625%
HK$64,995
+HK$3,254/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,482/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$981,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,184
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,149
−HK$1,997/mo
Today · 4.125%
HK$67,146
baseline
▲ 0.50% · 4.625%
HK$71,232
+HK$4,086/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$134,292/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,291
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,176
−HK$1,913/mo
Today · 4.125%
HK$74,089
baseline
▲ 0.50% · 4.625%
HK$77,994
+HK$3,905/mo
Deposit HK$9.24M · loan HK$13.85M · min. income ≈ HK$148,178/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,714
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,007
−HK$2,330/mo
Today · 4.125%
HK$78,337
baseline
▲ 0.50% · 4.625%
HK$83,103
+HK$4,766/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$156,674/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,006
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,206
−HK$2,231/mo
Today · 4.125%
HK$86,437
baseline
▲ 0.50% · 4.625%
HK$90,993
+HK$4,556/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$172,874/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,776
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,724
−HK$2,995/mo
Today · 4.125%
HK$100,719
baseline
▲ 0.50% · 4.625%
HK$106,847
+HK$6,128/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,438/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,437
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,265
−HK$2,868/mo
Today · 4.125%
HK$111,133
baseline
▲ 0.50% · 4.625%
HK$116,991
+HK$5,858/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,266/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,362 · Scale 2, in force from 26 Feb 2026)