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$52,722
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,362
−HK$1,666/mo
Today · 4.125%
HK$56,028
baseline
▲ 0.50% · 4.625%
HK$59,437
+HK$3,409/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,056/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,653
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,226
−HK$1,596/mo
Today · 4.125%
HK$61,822
baseline
▲ 0.50% · 4.625%
HK$65,080
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,644/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,267
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,235
−HK$1,999/mo
Today · 4.125%
HK$67,234
baseline
▲ 0.50% · 4.625%
HK$71,325
+HK$4,091/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,468/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,383
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,271
−HK$1,915/mo
Today · 4.125%
HK$74,186
baseline
▲ 0.50% · 4.625%
HK$78,096
+HK$3,910/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,372/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,811
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,107
−HK$2,333/mo
Today · 4.125%
HK$78,440
baseline
▲ 0.50% · 4.625%
HK$83,212
+HK$4,772/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$156,880/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,114
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,316
−HK$2,234/mo
Today · 4.125%
HK$86,550
baseline
▲ 0.50% · 4.625%
HK$91,113
+HK$4,563/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$173,100/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,900
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,852
−HK$2,999/mo
Today · 4.125%
HK$100,851
baseline
▲ 0.50% · 4.625%
HK$106,987
+HK$6,136/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,702/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,575
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,407
−HK$2,872/mo
Today · 4.125%
HK$111,279
baseline
▲ 0.50% · 4.625%
HK$117,145
+HK$5,866/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,558/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,649 · Scale 2, in force from 26 Feb 2026)