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$52,726
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,366
−HK$1,667/mo
Today · 4.125%
HK$56,033
baseline
▲ 0.50% · 4.625%
HK$59,442
+HK$3,409/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,066/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,658
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,231
−HK$1,596/mo
Today · 4.125%
HK$61,827
baseline
▲ 0.50% · 4.625%
HK$65,086
+HK$3,259/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,654/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,272
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,240
−HK$1,999/mo
Today · 4.125%
HK$67,239
baseline
▲ 0.50% · 4.625%
HK$71,331
+HK$4,092/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,478/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,389
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,277
−HK$1,915/mo
Today · 4.125%
HK$74,192
baseline
▲ 0.50% · 4.625%
HK$78,103
+HK$3,911/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,384/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,817
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,113
−HK$2,333/mo
Today · 4.125%
HK$78,446
baseline
▲ 0.50% · 4.625%
HK$83,219
+HK$4,773/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,892/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,121
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,323
−HK$2,234/mo
Today · 4.125%
HK$86,557
baseline
▲ 0.50% · 4.625%
HK$91,120
+HK$4,563/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,114/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,907
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,860
−HK$2,999/mo
Today · 4.125%
HK$100,859
baseline
▲ 0.50% · 4.625%
HK$106,996
+HK$6,137/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,718/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,584
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,415
−HK$2,873/mo
Today · 4.125%
HK$111,288
baseline
▲ 0.50% · 4.625%
HK$117,154
+HK$5,866/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,576/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,727 · Scale 2, in force from 26 Feb 2026)