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$52,733
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,373
−HK$1,667/mo
Today · 4.125%
HK$56,040
baseline
▲ 0.50% · 4.625%
HK$59,450
+HK$3,410/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,080/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$982,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,665
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,238
−HK$1,596/mo
Today · 4.125%
HK$61,834
baseline
▲ 0.50% · 4.625%
HK$65,094
+HK$3,260/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,668/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$982,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,279
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,248
−HK$2,000/mo
Today · 4.125%
HK$67,248
baseline
▲ 0.50% · 4.625%
HK$71,339
+HK$4,091/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,496/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,398
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,286
−HK$1,915/mo
Today · 4.125%
HK$74,201
baseline
▲ 0.50% · 4.625%
HK$78,112
+HK$3,911/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,402/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,826
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,122
−HK$2,334/mo
Today · 4.125%
HK$78,456
baseline
▲ 0.50% · 4.625%
HK$83,229
+HK$4,773/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,912/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,131
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,333
−HK$2,235/mo
Today · 4.125%
HK$86,568
baseline
▲ 0.50% · 4.625%
HK$91,131
+HK$4,563/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,136/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,919
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,872
−HK$2,999/mo
Today · 4.125%
HK$100,871
baseline
▲ 0.50% · 4.625%
HK$107,009
+HK$6,138/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,742/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,597
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,429
−HK$2,873/mo
Today · 4.125%
HK$111,302
baseline
▲ 0.50% · 4.625%
HK$117,169
+HK$5,867/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,604/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,849 · Scale 2, in force from 26 Feb 2026)