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$52,758
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,399
−HK$1,668/mo
Today · 4.125%
HK$56,067
baseline
▲ 0.50% · 4.625%
HK$59,478
+HK$3,411/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,134/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,693
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,267
−HK$1,597/mo
Today · 4.125%
HK$61,864
baseline
▲ 0.50% · 4.625%
HK$65,125
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,728/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,310
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,279
−HK$2,001/mo
Today · 4.125%
HK$67,280
baseline
▲ 0.50% · 4.625%
HK$71,374
+HK$4,094/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,560/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,432
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,321
−HK$1,916/mo
Today · 4.125%
HK$74,237
baseline
▲ 0.50% · 4.625%
HK$78,150
+HK$3,913/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,474/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,862
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,159
−HK$2,335/mo
Today · 4.125%
HK$78,494
baseline
▲ 0.50% · 4.625%
HK$83,270
+HK$4,776/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$156,988/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,170
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,374
−HK$2,236/mo
Today · 4.125%
HK$86,610
baseline
▲ 0.50% · 4.625%
HK$91,175
+HK$4,565/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,220/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,965
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,919
−HK$3,001/mo
Today · 4.125%
HK$100,920
baseline
▲ 0.50% · 4.625%
HK$107,061
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,840/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,648
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,481
−HK$2,875/mo
Today · 4.125%
HK$111,356
baseline
▲ 0.50% · 4.625%
HK$117,225
+HK$5,869/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,712/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,325 · Scale 2, in force from 26 Feb 2026)