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$52,699
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,338
−HK$1,665/mo
Today · 4.125%
HK$56,003
baseline
▲ 0.50% · 4.625%
HK$59,411
+HK$3,408/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,006/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,627
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,199
−HK$1,595/mo
Today · 4.125%
HK$61,794
baseline
▲ 0.50% · 4.625%
HK$65,052
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,588/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,239
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,206
−HK$1,998/mo
Today · 4.125%
HK$67,204
baseline
▲ 0.50% · 4.625%
HK$71,293
+HK$4,089/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$134,408/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,352
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,239
−HK$1,914/mo
Today · 4.125%
HK$74,153
baseline
▲ 0.50% · 4.625%
HK$78,062
+HK$3,909/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$148,306/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,778
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,073
−HK$2,332/mo
Today · 4.125%
HK$78,405
baseline
▲ 0.50% · 4.625%
HK$83,176
+HK$4,771/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,810/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,078
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,279
−HK$2,233/mo
Today · 4.125%
HK$86,512
baseline
▲ 0.50% · 4.625%
HK$91,072
+HK$4,560/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,024/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,858
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,808
−HK$2,998/mo
Today · 4.125%
HK$100,806
baseline
▲ 0.50% · 4.625%
HK$106,940
+HK$6,134/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,612/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,528
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,359
−HK$2,871/mo
Today · 4.125%
HK$111,230
baseline
▲ 0.50% · 4.625%
HK$117,093
+HK$5,863/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,460/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,214 · Scale 2, in force from 26 Feb 2026)