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$52,695
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,335
−HK$1,665/mo
Today · 4.125%
HK$56,000
baseline
▲ 0.50% · 4.625%
HK$59,407
+HK$3,407/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$112,000/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,623
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,195
−HK$1,595/mo
Today · 4.125%
HK$61,790
baseline
▲ 0.50% · 4.625%
HK$65,047
+HK$3,257/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,580/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,235
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,201
−HK$1,999/mo
Today · 4.125%
HK$67,200
baseline
▲ 0.50% · 4.625%
HK$71,289
+HK$4,089/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$134,400/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,348
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,234
−HK$1,914/mo
Today · 4.125%
HK$74,148
baseline
▲ 0.50% · 4.625%
HK$78,057
+HK$3,909/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$148,296/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,774
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,068
−HK$2,332/mo
Today · 4.125%
HK$78,400
baseline
▲ 0.50% · 4.625%
HK$83,170
+HK$4,770/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,800/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$982,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,072
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,274
−HK$2,233/mo
Today · 4.125%
HK$86,507
baseline
▲ 0.50% · 4.625%
HK$91,066
+HK$4,559/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,014/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$982,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,852
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,802
−HK$2,998/mo
Today · 4.125%
HK$100,800
baseline
▲ 0.50% · 4.625%
HK$106,933
+HK$6,133/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,600/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,522
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,352
−HK$2,871/mo
Today · 4.125%
HK$111,223
baseline
▲ 0.50% · 4.625%
HK$117,085
+HK$5,862/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,446/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,151 · Scale 2, in force from 26 Feb 2026)