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$52,845
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,489
−HK$1,670/mo
Today · 4.125%
HK$56,159
baseline
▲ 0.50% · 4.625%
HK$59,576
+HK$3,417/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,318/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,789
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,366
−HK$1,599/mo
Today · 4.125%
HK$61,965
baseline
▲ 0.50% · 4.625%
HK$65,232
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,930/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,414
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,386
−HK$2,004/mo
Today · 4.125%
HK$67,390
baseline
▲ 0.50% · 4.625%
HK$71,491
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,780/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,547
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,439
−HK$1,920/mo
Today · 4.125%
HK$74,359
baseline
▲ 0.50% · 4.625%
HK$78,278
+HK$3,919/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,718/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,983
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,284
−HK$2,338/mo
Today · 4.125%
HK$78,622
baseline
▲ 0.50% · 4.625%
HK$83,406
+HK$4,784/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,244/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,305
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,512
−HK$2,240/mo
Today · 4.125%
HK$86,752
baseline
▲ 0.50% · 4.625%
HK$91,324
+HK$4,572/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,504/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,121
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,079
−HK$3,006/mo
Today · 4.125%
HK$101,085
baseline
▲ 0.50% · 4.625%
HK$107,236
+HK$6,151/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,170/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,821
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,659
−HK$2,879/mo
Today · 4.125%
HK$111,538
baseline
▲ 0.50% · 4.625%
HK$117,417
+HK$5,879/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,076/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,934 · Scale 2, in force from 26 Feb 2026)