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$52,759
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,400
−HK$1,668/mo
Today · 4.125%
HK$56,068
baseline
▲ 0.50% · 4.625%
HK$59,479
+HK$3,411/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,136/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,694
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,268
−HK$1,597/mo
Today · 4.125%
HK$61,865
baseline
▲ 0.50% · 4.625%
HK$65,126
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,730/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,311
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,281
−HK$2,000/mo
Today · 4.125%
HK$67,281
baseline
▲ 0.50% · 4.625%
HK$71,375
+HK$4,094/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,562/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,433
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,322
−HK$1,916/mo
Today · 4.125%
HK$74,238
baseline
▲ 0.50% · 4.625%
HK$78,152
+HK$3,914/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,476/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,863
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,161
−HK$2,334/mo
Today · 4.125%
HK$78,495
baseline
▲ 0.50% · 4.625%
HK$83,271
+HK$4,776/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$156,990/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,172
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,376
−HK$2,235/mo
Today · 4.125%
HK$86,611
baseline
▲ 0.50% · 4.625%
HK$91,177
+HK$4,566/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,222/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,967
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,921
−HK$3,001/mo
Today · 4.125%
HK$100,922
baseline
▲ 0.50% · 4.625%
HK$107,063
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,844/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,650
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,483
−HK$2,875/mo
Today · 4.125%
HK$111,358
baseline
▲ 0.50% · 4.625%
HK$117,227
+HK$5,869/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,716/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,343 · Scale 2, in force from 26 Feb 2026)