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$52,784
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,426
−HK$1,668/mo
Today · 4.125%
HK$56,094
baseline
▲ 0.50% · 4.625%
HK$59,507
+HK$3,413/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,188/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,722
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,297
−HK$1,597/mo
Today · 4.125%
HK$61,894
baseline
▲ 0.50% · 4.625%
HK$65,157
+HK$3,263/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,788/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,341
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,311
−HK$2,002/mo
Today · 4.125%
HK$67,313
baseline
▲ 0.50% · 4.625%
HK$71,409
+HK$4,096/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,626/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,466
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,356
−HK$1,917/mo
Today · 4.125%
HK$74,273
baseline
▲ 0.50% · 4.625%
HK$78,188
+HK$3,915/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,546/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,898
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,197
−HK$2,335/mo
Today · 4.125%
HK$78,532
baseline
▲ 0.50% · 4.625%
HK$83,310
+HK$4,778/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,064/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,211
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,415
−HK$2,237/mo
Today · 4.125%
HK$86,652
baseline
▲ 0.50% · 4.625%
HK$91,220
+HK$4,568/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,304/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,012
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,967
−HK$3,003/mo
Today · 4.125%
HK$100,970
baseline
▲ 0.50% · 4.625%
HK$107,113
+HK$6,143/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,940/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,699
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,534
−HK$2,876/mo
Today · 4.125%
HK$111,410
baseline
▲ 0.50% · 4.625%
HK$117,283
+HK$5,873/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,820/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,806 · Scale 2, in force from 26 Feb 2026)