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$52,768
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,409
−HK$1,668/mo
Today · 4.125%
HK$56,077
baseline
▲ 0.50% · 4.625%
HK$59,489
+HK$3,412/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,154/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,703
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,278
−HK$1,597/mo
Today · 4.125%
HK$61,875
baseline
▲ 0.50% · 4.625%
HK$65,136
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,750/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,321
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,291
−HK$2,001/mo
Today · 4.125%
HK$67,292
baseline
▲ 0.50% · 4.625%
HK$71,386
+HK$4,094/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$134,584/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,444
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,333
−HK$1,917/mo
Today · 4.125%
HK$74,250
baseline
▲ 0.50% · 4.625%
HK$78,164
+HK$3,914/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$148,500/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,875
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,173
−HK$2,334/mo
Today · 4.125%
HK$78,507
baseline
▲ 0.50% · 4.625%
HK$83,284
+HK$4,777/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,014/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,185
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,389
−HK$2,236/mo
Today · 4.125%
HK$86,625
baseline
▲ 0.50% · 4.625%
HK$91,191
+HK$4,566/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,250/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,982
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,936
−HK$3,002/mo
Today · 4.125%
HK$100,938
baseline
▲ 0.50% · 4.625%
HK$107,080
+HK$6,142/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,876/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,666
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,500
−HK$2,875/mo
Today · 4.125%
HK$111,375
baseline
▲ 0.50% · 4.625%
HK$117,246
+HK$5,871/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,750/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,496 · Scale 2, in force from 26 Feb 2026)