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$52,815
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,458
−HK$1,669/mo
Today · 4.125%
HK$56,127
baseline
▲ 0.50% · 4.625%
HK$59,542
+HK$3,415/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,254/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,756
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,332
−HK$1,599/mo
Today · 4.125%
HK$61,931
baseline
▲ 0.50% · 4.625%
HK$65,195
+HK$3,264/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,862/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,378
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,350
−HK$2,003/mo
Today · 4.125%
HK$67,353
baseline
▲ 0.50% · 4.625%
HK$71,451
+HK$4,098/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$134,706/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,508
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,399
−HK$1,918/mo
Today · 4.125%
HK$74,317
baseline
▲ 0.50% · 4.625%
HK$78,234
+HK$3,917/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$148,634/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,941
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,241
−HK$2,337/mo
Today · 4.125%
HK$78,578
baseline
▲ 0.50% · 4.625%
HK$83,359
+HK$4,781/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,156/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,259
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,465
−HK$2,238/mo
Today · 4.125%
HK$86,703
baseline
▲ 0.50% · 4.625%
HK$91,273
+HK$4,570/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,406/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,067
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,024
−HK$3,005/mo
Today · 4.125%
HK$101,029
baseline
▲ 0.50% · 4.625%
HK$107,176
+HK$6,147/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,058/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,761
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,598
−HK$2,877/mo
Today · 4.125%
HK$111,475
baseline
▲ 0.50% · 4.625%
HK$117,351
+HK$5,876/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$222,950/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,382 · Scale 2, in force from 26 Feb 2026)