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$52,810
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,452
−HK$1,669/mo
Today · 4.125%
HK$56,121
baseline
▲ 0.50% · 4.625%
HK$59,536
+HK$3,415/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,242/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,750
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,326
−HK$1,598/mo
Today · 4.125%
HK$61,924
baseline
▲ 0.50% · 4.625%
HK$65,188
+HK$3,264/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,848/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,371
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,343
−HK$2,002/mo
Today · 4.125%
HK$67,345
baseline
▲ 0.50% · 4.625%
HK$71,443
+HK$4,098/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$134,690/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,500
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,391
−HK$1,918/mo
Today · 4.125%
HK$74,309
baseline
▲ 0.50% · 4.625%
HK$78,226
+HK$3,917/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$148,618/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,933
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,233
−HK$2,337/mo
Today · 4.125%
HK$78,570
baseline
▲ 0.50% · 4.625%
HK$83,350
+HK$4,780/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,140/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,250
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,456
−HK$2,238/mo
Today · 4.125%
HK$86,694
baseline
▲ 0.50% · 4.625%
HK$91,264
+HK$4,570/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,388/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,057
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,014
−HK$3,004/mo
Today · 4.125%
HK$101,018
baseline
▲ 0.50% · 4.625%
HK$107,165
+HK$6,147/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$202,036/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,750
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,586
−HK$2,878/mo
Today · 4.125%
HK$111,464
baseline
▲ 0.50% · 4.625%
HK$117,339
+HK$5,875/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,928/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,278 · Scale 2, in force from 26 Feb 2026)