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$52,866
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,510
−HK$1,671/mo
Today · 4.125%
HK$56,181
baseline
▲ 0.50% · 4.625%
HK$59,599
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,362/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,813
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,390
−HK$1,600/mo
Today · 4.125%
HK$61,990
baseline
▲ 0.50% · 4.625%
HK$65,258
+HK$3,268/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,980/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,439
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,412
−HK$2,005/mo
Today · 4.125%
HK$67,417
baseline
▲ 0.50% · 4.625%
HK$71,519
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,834/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,575
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,468
−HK$1,920/mo
Today · 4.125%
HK$74,388
baseline
▲ 0.50% · 4.625%
HK$78,309
+HK$3,921/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,776/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,012
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,314
−HK$2,339/mo
Today · 4.125%
HK$78,653
baseline
▲ 0.50% · 4.625%
HK$83,439
+HK$4,786/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$157,306/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,338
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,546
−HK$2,240/mo
Today · 4.125%
HK$86,786
baseline
▲ 0.50% · 4.625%
HK$91,361
+HK$4,575/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$173,572/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,158
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,118
−HK$3,007/mo
Today · 4.125%
HK$101,125
baseline
▲ 0.50% · 4.625%
HK$107,279
+HK$6,154/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,250/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,863
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,702
−HK$2,880/mo
Today · 4.125%
HK$111,582
baseline
▲ 0.50% · 4.625%
HK$117,464
+HK$5,882/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,164/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,324 · Scale 2, in force from 26 Feb 2026)