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$52,707
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,347
−HK$1,666/mo
Today · 4.125%
HK$56,013
baseline
▲ 0.50% · 4.625%
HK$59,421
+HK$3,408/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,026/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,636
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,209
−HK$1,595/mo
Today · 4.125%
HK$61,804
baseline
▲ 0.50% · 4.625%
HK$65,062
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,608/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,249
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,216
−HK$1,999/mo
Today · 4.125%
HK$67,215
baseline
▲ 0.50% · 4.625%
HK$71,305
+HK$4,090/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,430/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,364
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,251
−HK$1,914/mo
Today · 4.125%
HK$74,165
baseline
▲ 0.50% · 4.625%
HK$78,075
+HK$3,910/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,330/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,790
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,086
−HK$2,332/mo
Today · 4.125%
HK$78,418
baseline
▲ 0.50% · 4.625%
HK$83,189
+HK$4,771/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,836/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,091
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,293
−HK$2,233/mo
Today · 4.125%
HK$86,526
baseline
▲ 0.50% · 4.625%
HK$91,087
+HK$4,561/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,052/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,873
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,824
−HK$2,999/mo
Today · 4.125%
HK$100,823
baseline
▲ 0.50% · 4.625%
HK$106,958
+HK$6,135/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,646/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,546
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,376
−HK$2,872/mo
Today · 4.125%
HK$111,248
baseline
▲ 0.50% · 4.625%
HK$117,112
+HK$5,864/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,496/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,374 · Scale 2, in force from 26 Feb 2026)