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$52,855
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,499
−HK$1,670/mo
Today · 4.125%
HK$56,169
baseline
▲ 0.50% · 4.625%
HK$59,587
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,338/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,800
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,377
−HK$1,600/mo
Today · 4.125%
HK$61,977
baseline
▲ 0.50% · 4.625%
HK$65,244
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,954/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,426
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,399
−HK$2,004/mo
Today · 4.125%
HK$67,403
baseline
▲ 0.50% · 4.625%
HK$71,504
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,806/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,560
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,453
−HK$1,920/mo
Today · 4.125%
HK$74,373
baseline
▲ 0.50% · 4.625%
HK$78,293
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,746/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,997
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,298
−HK$2,339/mo
Today · 4.125%
HK$78,637
baseline
▲ 0.50% · 4.625%
HK$83,422
+HK$4,785/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$157,274/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,320
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,528
−HK$2,240/mo
Today · 4.125%
HK$86,768
baseline
▲ 0.50% · 4.625%
HK$91,342
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$173,536/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,138
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,098
−HK$3,006/mo
Today · 4.125%
HK$101,104
baseline
▲ 0.50% · 4.625%
HK$107,256
+HK$6,152/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,208/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,841
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,679
−HK$2,880/mo
Today · 4.125%
HK$111,559
baseline
▲ 0.50% · 4.625%
HK$117,439
+HK$5,880/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,118/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,119 · Scale 2, in force from 26 Feb 2026)