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$52,720
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,360
−HK$1,666/mo
Today · 4.125%
HK$56,026
baseline
▲ 0.50% · 4.625%
HK$59,435
+HK$3,409/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,052/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,651
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,224
−HK$1,595/mo
Today · 4.125%
HK$61,819
baseline
▲ 0.50% · 4.625%
HK$65,078
+HK$3,259/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,638/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,264
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,232
−HK$1,999/mo
Today · 4.125%
HK$67,231
baseline
▲ 0.50% · 4.625%
HK$71,322
+HK$4,091/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,462/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,381
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,268
−HK$1,915/mo
Today · 4.125%
HK$74,183
baseline
▲ 0.50% · 4.625%
HK$78,094
+HK$3,911/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,366/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,808
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,104
−HK$2,333/mo
Today · 4.125%
HK$78,437
baseline
▲ 0.50% · 4.625%
HK$83,209
+HK$4,772/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$156,874/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,111
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,313
−HK$2,234/mo
Today · 4.125%
HK$86,547
baseline
▲ 0.50% · 4.625%
HK$91,109
+HK$4,562/mo
Deposit HK$6.94M · loan HK$16.18M · min. income ≈ HK$173,094/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,896
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,848
−HK$2,999/mo
Today · 4.125%
HK$100,847
baseline
▲ 0.50% · 4.625%
HK$106,983
+HK$6,136/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,694/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,571
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,403
−HK$2,872/mo
Today · 4.125%
HK$111,275
baseline
▲ 0.50% · 4.625%
HK$117,140
+HK$5,865/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,550/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,613 · Scale 2, in force from 26 Feb 2026)