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$52,869
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,513
−HK$1,671/mo
Today · 4.125%
HK$56,184
baseline
▲ 0.50% · 4.625%
HK$59,602
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,368/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,816
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,393
−HK$1,600/mo
Today · 4.125%
HK$61,993
baseline
▲ 0.50% · 4.625%
HK$65,261
+HK$3,268/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,986/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,442
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,416
−HK$2,005/mo
Today · 4.125%
HK$67,421
baseline
▲ 0.50% · 4.625%
HK$71,523
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,842/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,579
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,472
−HK$1,920/mo
Today · 4.125%
HK$74,392
baseline
▲ 0.50% · 4.625%
HK$78,313
+HK$3,921/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,784/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,016
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,318
−HK$2,339/mo
Today · 4.125%
HK$78,657
baseline
▲ 0.50% · 4.625%
HK$83,443
+HK$4,786/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$157,314/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,342
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,550
−HK$2,241/mo
Today · 4.125%
HK$86,791
baseline
▲ 0.50% · 4.625%
HK$91,366
+HK$4,575/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$173,582/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,163
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,123
−HK$3,008/mo
Today · 4.125%
HK$101,131
baseline
▲ 0.50% · 4.625%
HK$107,284
+HK$6,153/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,262/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,868
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,708
−HK$2,880/mo
Today · 4.125%
HK$111,588
baseline
▲ 0.50% · 4.625%
HK$117,470
+HK$5,882/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,176/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,377 · Scale 2, in force from 26 Feb 2026)