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$52,851
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,495
−HK$1,670/mo
Today · 4.125%
HK$56,165
baseline
▲ 0.50% · 4.625%
HK$59,583
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,330/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,796
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,373
−HK$1,600/mo
Today · 4.125%
HK$61,973
baseline
▲ 0.50% · 4.625%
HK$65,240
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,946/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,421
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,394
−HK$2,005/mo
Today · 4.125%
HK$67,399
baseline
▲ 0.50% · 4.625%
HK$71,500
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,798/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,556
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,448
−HK$1,920/mo
Today · 4.125%
HK$74,368
baseline
▲ 0.50% · 4.625%
HK$78,288
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,736/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,992
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,293
−HK$2,339/mo
Today · 4.125%
HK$78,632
baseline
▲ 0.50% · 4.625%
HK$83,416
+HK$4,784/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,264/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,315
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,523
−HK$2,239/mo
Today · 4.125%
HK$86,762
baseline
▲ 0.50% · 4.625%
HK$91,336
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,524/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,132
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,091
−HK$3,007/mo
Today · 4.125%
HK$101,098
baseline
▲ 0.50% · 4.625%
HK$107,249
+HK$6,151/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,196/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,834
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,672
−HK$2,880/mo
Today · 4.125%
HK$111,552
baseline
▲ 0.50% · 4.625%
HK$117,432
+HK$5,880/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,104/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,055 · Scale 2, in force from 26 Feb 2026)