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$52,721
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,360
−HK$1,667/mo
Today · 4.125%
HK$56,027
baseline
▲ 0.50% · 4.625%
HK$59,436
+HK$3,409/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,054/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,651
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,224
−HK$1,596/mo
Today · 4.125%
HK$61,820
baseline
▲ 0.50% · 4.625%
HK$65,078
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,640/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,265
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,233
−HK$1,999/mo
Today · 4.125%
HK$67,232
baseline
▲ 0.50% · 4.625%
HK$71,323
+HK$4,091/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,464/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,381
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,269
−HK$1,915/mo
Today · 4.125%
HK$74,184
baseline
▲ 0.50% · 4.625%
HK$78,094
+HK$3,910/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,368/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,809
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,105
−HK$2,332/mo
Today · 4.125%
HK$78,437
baseline
▲ 0.50% · 4.625%
HK$83,210
+HK$4,773/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$156,874/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,112
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,314
−HK$2,234/mo
Today · 4.125%
HK$86,548
baseline
▲ 0.50% · 4.625%
HK$91,110
+HK$4,562/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$173,096/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,897
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,849
−HK$2,999/mo
Today · 4.125%
HK$100,848
baseline
▲ 0.50% · 4.625%
HK$106,984
+HK$6,136/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,696/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,572
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,403
−HK$2,873/mo
Today · 4.125%
HK$111,276
baseline
▲ 0.50% · 4.625%
HK$117,141
+HK$5,865/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,552/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,620 · Scale 2, in force from 26 Feb 2026)