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$52,838
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,482
−HK$1,670/mo
Today · 4.125%
HK$56,152
baseline
▲ 0.50% · 4.625%
HK$59,568
+HK$3,416/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,304/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,782
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,358
−HK$1,600/mo
Today · 4.125%
HK$61,958
baseline
▲ 0.50% · 4.625%
HK$65,224
+HK$3,266/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,916/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,406
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,378
−HK$2,004/mo
Today · 4.125%
HK$67,382
baseline
▲ 0.50% · 4.625%
HK$71,482
+HK$4,100/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,764/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,538
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,430
−HK$1,919/mo
Today · 4.125%
HK$74,349
baseline
▲ 0.50% · 4.625%
HK$78,268
+HK$3,919/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,698/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,973
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,274
−HK$2,338/mo
Today · 4.125%
HK$78,612
baseline
▲ 0.50% · 4.625%
HK$83,396
+HK$4,784/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,224/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,295
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,502
−HK$2,239/mo
Today · 4.125%
HK$86,741
baseline
▲ 0.50% · 4.625%
HK$91,313
+HK$4,572/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,482/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,109
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,067
−HK$3,006/mo
Today · 4.125%
HK$101,073
baseline
▲ 0.50% · 4.625%
HK$107,223
+HK$6,150/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,146/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,808
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,645
−HK$2,879/mo
Today · 4.125%
HK$111,524
baseline
▲ 0.50% · 4.625%
HK$117,403
+HK$5,879/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$223,048/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,812 · Scale 2, in force from 26 Feb 2026)