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$52,816
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,459
−HK$1,669/mo
Today · 4.125%
HK$56,128
baseline
▲ 0.50% · 4.625%
HK$59,543
+HK$3,415/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,256/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,757
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,333
−HK$1,599/mo
Today · 4.125%
HK$61,932
baseline
▲ 0.50% · 4.625%
HK$65,196
+HK$3,264/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,864/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,379
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,351
−HK$2,003/mo
Today · 4.125%
HK$67,354
baseline
▲ 0.50% · 4.625%
HK$71,452
+HK$4,098/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$134,708/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,509
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,400
−HK$1,918/mo
Today · 4.125%
HK$74,318
baseline
▲ 0.50% · 4.625%
HK$78,236
+HK$3,918/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$148,636/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,943
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,243
−HK$2,336/mo
Today · 4.125%
HK$78,579
baseline
▲ 0.50% · 4.625%
HK$83,361
+HK$4,782/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,158/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,260
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,466
−HK$2,239/mo
Today · 4.125%
HK$86,705
baseline
▲ 0.50% · 4.625%
HK$91,275
+HK$4,570/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,410/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,069
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,026
−HK$3,005/mo
Today · 4.125%
HK$101,031
baseline
▲ 0.50% · 4.625%
HK$107,178
+HK$6,147/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,062/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,763
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,600
−HK$2,877/mo
Today · 4.125%
HK$111,477
baseline
▲ 0.50% · 4.625%
HK$117,353
+HK$5,876/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$222,954/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,400 · Scale 2, in force from 26 Feb 2026)