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$52,702
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,342
−HK$1,665/mo
Today · 4.125%
HK$56,007
baseline
▲ 0.50% · 4.625%
HK$59,415
+HK$3,408/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,014/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,631
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,203
−HK$1,596/mo
Today · 4.125%
HK$61,799
baseline
▲ 0.50% · 4.625%
HK$65,056
+HK$3,257/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,598/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,243
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,210
−HK$1,999/mo
Today · 4.125%
HK$67,209
baseline
▲ 0.50% · 4.625%
HK$71,298
+HK$4,089/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$134,418/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,357
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,244
−HK$1,914/mo
Today · 4.125%
HK$74,158
baseline
▲ 0.50% · 4.625%
HK$78,067
+HK$3,909/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$148,316/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,783
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,078
−HK$2,332/mo
Today · 4.125%
HK$78,410
baseline
▲ 0.50% · 4.625%
HK$83,181
+HK$4,771/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,820/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,083
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,285
−HK$2,233/mo
Today · 4.125%
HK$86,518
baseline
▲ 0.50% · 4.625%
HK$91,078
+HK$4,560/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,036/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,864
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,815
−HK$2,998/mo
Today · 4.125%
HK$100,813
baseline
▲ 0.50% · 4.625%
HK$106,947
+HK$6,134/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,626/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,536
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,366
−HK$2,871/mo
Today · 4.125%
HK$111,237
baseline
▲ 0.50% · 4.625%
HK$117,101
+HK$5,864/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,474/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,282 · Scale 2, in force from 26 Feb 2026)