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$52,797
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,439
−HK$1,669/mo
Today · 4.125%
HK$56,108
baseline
▲ 0.50% · 4.625%
HK$59,522
+HK$3,414/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,216/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,736
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,311
−HK$1,598/mo
Today · 4.125%
HK$61,909
baseline
▲ 0.50% · 4.625%
HK$65,173
+HK$3,264/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,818/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,356
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,327
−HK$2,002/mo
Today · 4.125%
HK$67,329
baseline
▲ 0.50% · 4.625%
HK$71,426
+HK$4,097/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,658/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,483
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,374
−HK$1,917/mo
Today · 4.125%
HK$74,291
baseline
▲ 0.50% · 4.625%
HK$78,207
+HK$3,916/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,582/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,916
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,215
−HK$2,336/mo
Today · 4.125%
HK$78,551
baseline
▲ 0.50% · 4.625%
HK$83,331
+HK$4,780/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,102/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,231
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,436
−HK$2,237/mo
Today · 4.125%
HK$86,673
baseline
▲ 0.50% · 4.625%
HK$91,242
+HK$4,569/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,346/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,035
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,991
−HK$3,003/mo
Today · 4.125%
HK$100,994
baseline
▲ 0.50% · 4.625%
HK$107,139
+HK$6,145/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$201,988/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,725
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,560
−HK$2,877/mo
Today · 4.125%
HK$111,437
baseline
▲ 0.50% · 4.625%
HK$117,311
+HK$5,874/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,874/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,043 · Scale 2, in force from 26 Feb 2026)