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$52,712
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,351
−HK$1,666/mo
Today · 4.125%
HK$56,017
baseline
▲ 0.50% · 4.625%
HK$59,426
+HK$3,409/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,034/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,641
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,214
−HK$1,595/mo
Today · 4.125%
HK$61,809
baseline
▲ 0.50% · 4.625%
HK$65,068
+HK$3,259/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,618/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,254
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,222
−HK$1,999/mo
Today · 4.125%
HK$67,221
baseline
▲ 0.50% · 4.625%
HK$71,311
+HK$4,090/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,442/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,370
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,257
−HK$1,914/mo
Today · 4.125%
HK$74,171
baseline
▲ 0.50% · 4.625%
HK$78,081
+HK$3,910/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,342/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,796
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,092
−HK$2,332/mo
Today · 4.125%
HK$78,424
baseline
▲ 0.50% · 4.625%
HK$83,196
+HK$4,772/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,848/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,098
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,300
−HK$2,233/mo
Today · 4.125%
HK$86,533
baseline
▲ 0.50% · 4.625%
HK$91,095
+HK$4,562/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,066/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,881
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,832
−HK$2,999/mo
Today · 4.125%
HK$100,831
baseline
▲ 0.50% · 4.625%
HK$106,966
+HK$6,135/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,662/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,554
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,385
−HK$2,872/mo
Today · 4.125%
HK$111,257
baseline
▲ 0.50% · 4.625%
HK$117,122
+HK$5,865/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,514/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,455 · Scale 2, in force from 26 Feb 2026)