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$52,815
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,458
−HK$1,669/mo
Today · 4.125%
HK$56,127
baseline
▲ 0.50% · 4.625%
HK$59,543
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,254/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,757
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,333
−HK$1,598/mo
Today · 4.125%
HK$61,931
baseline
▲ 0.50% · 4.625%
HK$65,196
+HK$3,265/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,862/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,379
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,350
−HK$2,003/mo
Today · 4.125%
HK$67,353
baseline
▲ 0.50% · 4.625%
HK$71,451
+HK$4,098/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$134,706/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,508
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,399
−HK$1,918/mo
Today · 4.125%
HK$74,317
baseline
▲ 0.50% · 4.625%
HK$78,235
+HK$3,918/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$148,634/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,942
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,242
−HK$2,336/mo
Today · 4.125%
HK$78,578
baseline
▲ 0.50% · 4.625%
HK$83,360
+HK$4,782/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,156/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,259
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,466
−HK$2,238/mo
Today · 4.125%
HK$86,704
baseline
▲ 0.50% · 4.625%
HK$91,274
+HK$4,570/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,408/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,068
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,025
−HK$3,004/mo
Today · 4.125%
HK$101,029
baseline
▲ 0.50% · 4.625%
HK$107,177
+HK$6,148/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,058/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,762
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,599
−HK$2,877/mo
Today · 4.125%
HK$111,476
baseline
▲ 0.50% · 4.625%
HK$117,352
+HK$5,876/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$222,952/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,389 · Scale 2, in force from 26 Feb 2026)