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$52,862
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,507
−HK$1,670/mo
Today · 4.125%
HK$56,177
baseline
▲ 0.50% · 4.625%
HK$59,596
+HK$3,419/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,354/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,809
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,386
−HK$1,600/mo
Today · 4.125%
HK$61,986
baseline
▲ 0.50% · 4.625%
HK$65,254
+HK$3,268/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,972/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,435
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,408
−HK$2,005/mo
Today · 4.125%
HK$67,413
baseline
▲ 0.50% · 4.625%
HK$71,515
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,826/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,571
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,463
−HK$1,920/mo
Today · 4.125%
HK$74,383
baseline
▲ 0.50% · 4.625%
HK$78,304
+HK$3,921/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,766/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,007
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,309
−HK$2,339/mo
Today · 4.125%
HK$78,648
baseline
▲ 0.50% · 4.625%
HK$83,434
+HK$4,786/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$157,296/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,332
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,541
−HK$2,240/mo
Today · 4.125%
HK$86,781
baseline
▲ 0.50% · 4.625%
HK$91,355
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$173,562/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,152
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,112
−HK$3,007/mo
Today · 4.125%
HK$101,119
baseline
▲ 0.50% · 4.625%
HK$107,272
+HK$6,153/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,238/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,856
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,695
−HK$2,880/mo
Today · 4.125%
HK$111,575
baseline
▲ 0.50% · 4.625%
HK$117,456
+HK$5,881/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,150/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,264 · Scale 2, in force from 26 Feb 2026)