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$52,721
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,361
−HK$1,666/mo
Today · 4.125%
HK$56,027
baseline
▲ 0.50% · 4.625%
HK$59,436
+HK$3,409/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,054/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,652
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,225
−HK$1,595/mo
Today · 4.125%
HK$61,820
baseline
▲ 0.50% · 4.625%
HK$65,079
+HK$3,259/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,640/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,265
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,233
−HK$2,000/mo
Today · 4.125%
HK$67,233
baseline
▲ 0.50% · 4.625%
HK$71,324
+HK$4,091/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,466/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,382
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,270
−HK$1,915/mo
Today · 4.125%
HK$74,185
baseline
▲ 0.50% · 4.625%
HK$78,095
+HK$3,910/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,370/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,810
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,105
−HK$2,333/mo
Today · 4.125%
HK$78,438
baseline
▲ 0.50% · 4.625%
HK$83,211
+HK$4,773/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$156,876/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,112
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,315
−HK$2,234/mo
Today · 4.125%
HK$86,549
baseline
▲ 0.50% · 4.625%
HK$91,111
+HK$4,562/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$173,098/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,898
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,850
−HK$2,999/mo
Today · 4.125%
HK$100,849
baseline
▲ 0.50% · 4.625%
HK$106,985
+HK$6,136/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,698/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,573
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,404
−HK$2,873/mo
Today · 4.125%
HK$111,277
baseline
▲ 0.50% · 4.625%
HK$117,142
+HK$5,865/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,554/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,630 · Scale 2, in force from 26 Feb 2026)