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$52,707
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,346
−HK$1,666/mo
Today · 4.125%
HK$56,012
baseline
▲ 0.50% · 4.625%
HK$59,420
+HK$3,408/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,024/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,635
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,208
−HK$1,595/mo
Today · 4.125%
HK$61,803
baseline
▲ 0.50% · 4.625%
HK$65,061
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,606/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,248
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,215
−HK$1,999/mo
Today · 4.125%
HK$67,214
baseline
▲ 0.50% · 4.625%
HK$71,304
+HK$4,090/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,428/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,363
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,250
−HK$1,914/mo
Today · 4.125%
HK$74,164
baseline
▲ 0.50% · 4.625%
HK$78,073
+HK$3,909/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,328/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,789
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,084
−HK$2,332/mo
Today · 4.125%
HK$78,416
baseline
▲ 0.50% · 4.625%
HK$83,188
+HK$4,772/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,832/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,090
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,291
−HK$2,234/mo
Today · 4.125%
HK$86,525
baseline
▲ 0.50% · 4.625%
HK$91,086
+HK$4,561/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,050/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,872
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,823
−HK$2,998/mo
Today · 4.125%
HK$100,821
baseline
▲ 0.50% · 4.625%
HK$106,956
+HK$6,135/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,642/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,544
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,375
−HK$2,871/mo
Today · 4.125%
HK$111,246
baseline
▲ 0.50% · 4.625%
HK$117,110
+HK$5,864/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,492/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,358 · Scale 2, in force from 26 Feb 2026)