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$52,701
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,340
−HK$1,666/mo
Today · 4.125%
HK$56,006
baseline
▲ 0.50% · 4.625%
HK$59,413
+HK$3,407/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,012/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,629
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,202
−HK$1,595/mo
Today · 4.125%
HK$61,797
baseline
▲ 0.50% · 4.625%
HK$65,054
+HK$3,257/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,594/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,241
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,208
−HK$1,999/mo
Today · 4.125%
HK$67,207
baseline
▲ 0.50% · 4.625%
HK$71,296
+HK$4,089/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$134,414/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,355
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,242
−HK$1,914/mo
Today · 4.125%
HK$74,156
baseline
▲ 0.50% · 4.625%
HK$78,065
+HK$3,909/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$148,312/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,781
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,076
−HK$2,332/mo
Today · 4.125%
HK$78,408
baseline
▲ 0.50% · 4.625%
HK$83,179
+HK$4,771/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,816/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,081
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,282
−HK$2,233/mo
Today · 4.125%
HK$86,515
baseline
▲ 0.50% · 4.625%
HK$91,076
+HK$4,561/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,030/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,861
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,812
−HK$2,998/mo
Today · 4.125%
HK$100,810
baseline
▲ 0.50% · 4.625%
HK$106,944
+HK$6,134/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,620/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,532
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,363
−HK$2,871/mo
Today · 4.125%
HK$111,234
baseline
▲ 0.50% · 4.625%
HK$117,097
+HK$5,863/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,468/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,252 · Scale 2, in force from 26 Feb 2026)