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$52,702
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,341
−HK$1,665/mo
Today · 4.125%
HK$56,006
baseline
▲ 0.50% · 4.625%
HK$59,414
+HK$3,408/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,012/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,630
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,202
−HK$1,595/mo
Today · 4.125%
HK$61,797
baseline
▲ 0.50% · 4.625%
HK$65,055
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,594/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,242
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,209
−HK$1,999/mo
Today · 4.125%
HK$67,208
baseline
▲ 0.50% · 4.625%
HK$71,297
+HK$4,089/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$134,416/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,356
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,243
−HK$1,914/mo
Today · 4.125%
HK$74,157
baseline
▲ 0.50% · 4.625%
HK$78,066
+HK$3,909/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$148,314/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,782
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,077
−HK$2,332/mo
Today · 4.125%
HK$78,409
baseline
▲ 0.50% · 4.625%
HK$83,180
+HK$4,771/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,818/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,082
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,283
−HK$2,233/mo
Today · 4.125%
HK$86,516
baseline
▲ 0.50% · 4.625%
HK$91,077
+HK$4,561/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,032/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,863
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,813
−HK$2,998/mo
Today · 4.125%
HK$100,811
baseline
▲ 0.50% · 4.625%
HK$106,946
+HK$6,135/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,622/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,534
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,364
−HK$2,871/mo
Today · 4.125%
HK$111,235
baseline
▲ 0.50% · 4.625%
HK$117,099
+HK$5,864/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,470/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,265 · Scale 2, in force from 26 Feb 2026)