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$52,860
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,505
−HK$1,670/mo
Today · 4.125%
HK$56,175
baseline
▲ 0.50% · 4.625%
HK$59,593
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,350/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,807
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,384
−HK$1,600/mo
Today · 4.125%
HK$61,984
baseline
▲ 0.50% · 4.625%
HK$65,251
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,968/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,432
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,406
−HK$2,004/mo
Today · 4.125%
HK$67,410
baseline
▲ 0.50% · 4.625%
HK$71,512
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,820/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,568
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,461
−HK$1,920/mo
Today · 4.125%
HK$74,381
baseline
▲ 0.50% · 4.625%
HK$78,301
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,762/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,005
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,306
−HK$2,339/mo
Today · 4.125%
HK$78,645
baseline
▲ 0.50% · 4.625%
HK$83,431
+HK$4,786/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$157,290/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,329
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,537
−HK$2,240/mo
Today · 4.125%
HK$86,777
baseline
▲ 0.50% · 4.625%
HK$91,351
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$173,554/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,149
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,108
−HK$3,007/mo
Today · 4.125%
HK$101,115
baseline
▲ 0.50% · 4.625%
HK$107,268
+HK$6,153/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,230/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,852
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,691
−HK$2,880/mo
Today · 4.125%
HK$111,571
baseline
▲ 0.50% · 4.625%
HK$117,452
+HK$5,881/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,142/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,225 · Scale 2, in force from 26 Feb 2026)