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$52,772
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,414
−HK$1,667/mo
Today · 4.125%
HK$56,081
baseline
▲ 0.50% · 4.625%
HK$59,494
+HK$3,413/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,162/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,708
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,283
−HK$1,597/mo
Today · 4.125%
HK$61,880
baseline
▲ 0.50% · 4.625%
HK$65,142
+HK$3,262/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,760/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,327
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,296
−HK$2,002/mo
Today · 4.125%
HK$67,298
baseline
▲ 0.50% · 4.625%
HK$71,393
+HK$4,095/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,596/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,450
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,340
−HK$1,916/mo
Today · 4.125%
HK$74,256
baseline
▲ 0.50% · 4.625%
HK$78,171
+HK$3,915/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,512/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,881
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,179
−HK$2,335/mo
Today · 4.125%
HK$78,514
baseline
▲ 0.50% · 4.625%
HK$83,291
+HK$4,777/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,028/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,192
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,396
−HK$2,236/mo
Today · 4.125%
HK$86,632
baseline
▲ 0.50% · 4.625%
HK$91,199
+HK$4,567/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,264/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,990
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,945
−HK$3,002/mo
Today · 4.125%
HK$100,947
baseline
▲ 0.50% · 4.625%
HK$107,089
+HK$6,142/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,894/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,675
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$108,509
−HK$2,876/mo
Today · 4.125%
HK$111,385
baseline
▲ 0.50% · 4.625%
HK$117,256
+HK$5,871/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,770/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,581 · Scale 2, in force from 26 Feb 2026)