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$52,718
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,358
−HK$1,666/mo
Today · 4.125%
HK$56,024
baseline
▲ 0.50% · 4.625%
HK$59,433
+HK$3,409/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,048/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,649
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,222
−HK$1,595/mo
Today · 4.125%
HK$61,817
baseline
▲ 0.50% · 4.625%
HK$65,076
+HK$3,259/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,634/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,262
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,230
−HK$1,999/mo
Today · 4.125%
HK$67,229
baseline
▲ 0.50% · 4.625%
HK$71,320
+HK$4,091/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,458/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,379
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,266
−HK$1,915/mo
Today · 4.125%
HK$74,181
baseline
▲ 0.50% · 4.625%
HK$78,091
+HK$3,910/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,362/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,806
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,102
−HK$2,332/mo
Today · 4.125%
HK$78,434
baseline
▲ 0.50% · 4.625%
HK$83,207
+HK$4,773/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$156,868/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,108
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,310
−HK$2,234/mo
Today · 4.125%
HK$86,544
baseline
▲ 0.50% · 4.625%
HK$91,106
+HK$4,562/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$173,088/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,893
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,845
−HK$2,999/mo
Today · 4.125%
HK$100,844
baseline
▲ 0.50% · 4.625%
HK$106,980
+HK$6,136/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,688/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,568
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,399
−HK$2,872/mo
Today · 4.125%
HK$111,271
baseline
▲ 0.50% · 4.625%
HK$117,137
+HK$5,866/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,542/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,581 · Scale 2, in force from 26 Feb 2026)