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$52,870
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,514
−HK$1,671/mo
Today · 4.125%
HK$56,185
baseline
▲ 0.50% · 4.625%
HK$59,604
+HK$3,419/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,370/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,817
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,394
−HK$1,601/mo
Today · 4.125%
HK$61,995
baseline
▲ 0.50% · 4.625%
HK$65,262
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,990/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,443
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,417
−HK$2,005/mo
Today · 4.125%
HK$67,422
baseline
▲ 0.50% · 4.625%
HK$71,524
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,844/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,580
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,473
−HK$1,920/mo
Today · 4.125%
HK$74,393
baseline
▲ 0.50% · 4.625%
HK$78,315
+HK$3,922/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,786/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,017
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,320
−HK$2,339/mo
Today · 4.125%
HK$78,659
baseline
▲ 0.50% · 4.625%
HK$83,445
+HK$4,786/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$157,318/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,344
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,552
−HK$2,240/mo
Today · 4.125%
HK$86,792
baseline
▲ 0.50% · 4.625%
HK$91,367
+HK$4,575/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$173,584/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,165
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,125
−HK$3,008/mo
Today · 4.125%
HK$101,133
baseline
▲ 0.50% · 4.625%
HK$107,287
+HK$6,154/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,266/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,870
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,710
−HK$2,880/mo
Today · 4.125%
HK$111,590
baseline
▲ 0.50% · 4.625%
HK$117,472
+HK$5,882/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,180/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,396 · Scale 2, in force from 26 Feb 2026)