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$52,761
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,403
−HK$1,667/mo
Today · 4.125%
HK$56,070
baseline
▲ 0.50% · 4.625%
HK$59,482
+HK$3,412/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,140/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,697
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,271
−HK$1,597/mo
Today · 4.125%
HK$61,868
baseline
▲ 0.50% · 4.625%
HK$65,129
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,736/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,314
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,283
−HK$2,001/mo
Today · 4.125%
HK$67,284
baseline
▲ 0.50% · 4.625%
HK$71,378
+HK$4,094/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$134,568/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,436
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,325
−HK$1,916/mo
Today · 4.125%
HK$74,241
baseline
▲ 0.50% · 4.625%
HK$78,155
+HK$3,914/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$148,482/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,866
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,164
−HK$2,334/mo
Today · 4.125%
HK$78,498
baseline
▲ 0.50% · 4.625%
HK$83,274
+HK$4,776/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$156,996/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,175
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,379
−HK$2,236/mo
Today · 4.125%
HK$86,615
baseline
▲ 0.50% · 4.625%
HK$91,180
+HK$4,565/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,230/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,971
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,925
−HK$3,001/mo
Today · 4.125%
HK$100,926
baseline
▲ 0.50% · 4.625%
HK$107,067
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,852/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,654
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,487
−HK$2,875/mo
Today · 4.125%
HK$111,362
baseline
▲ 0.50% · 4.625%
HK$117,232
+HK$5,870/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,724/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,381 · Scale 2, in force from 26 Feb 2026)