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$52,852
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,496
−HK$1,670/mo
Today · 4.125%
HK$56,166
baseline
▲ 0.50% · 4.625%
HK$59,584
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,332/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,797
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,374
−HK$1,600/mo
Today · 4.125%
HK$61,974
baseline
▲ 0.50% · 4.625%
HK$65,240
+HK$3,266/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,948/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,422
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,395
−HK$2,004/mo
Today · 4.125%
HK$67,399
baseline
▲ 0.50% · 4.625%
HK$71,500
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,798/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,556
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,449
−HK$1,919/mo
Today · 4.125%
HK$74,368
baseline
▲ 0.50% · 4.625%
HK$78,288
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,736/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,992
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,294
−HK$2,338/mo
Today · 4.125%
HK$78,632
baseline
▲ 0.50% · 4.625%
HK$83,417
+HK$4,785/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,264/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,316
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,523
−HK$2,240/mo
Today · 4.125%
HK$86,763
baseline
▲ 0.50% · 4.625%
HK$91,336
+HK$4,573/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,526/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,133
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,092
−HK$3,007/mo
Today · 4.125%
HK$101,099
baseline
▲ 0.50% · 4.625%
HK$107,250
+HK$6,151/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,198/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,835
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,673
−HK$2,880/mo
Today · 4.125%
HK$111,553
baseline
▲ 0.50% · 4.625%
HK$117,433
+HK$5,880/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,106/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,064 · Scale 2, in force from 26 Feb 2026)