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$52,873
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,517
−HK$1,671/mo
Today · 4.125%
HK$56,188
baseline
▲ 0.50% · 4.625%
HK$59,607
+HK$3,419/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,376/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,820
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,398
−HK$1,600/mo
Today · 4.125%
HK$61,998
baseline
▲ 0.50% · 4.625%
HK$65,266
+HK$3,268/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,996/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,447
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,421
−HK$2,005/mo
Today · 4.125%
HK$67,426
baseline
▲ 0.50% · 4.625%
HK$71,529
+HK$4,103/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,852/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,584
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,478
−HK$1,920/mo
Today · 4.125%
HK$74,398
baseline
▲ 0.50% · 4.625%
HK$78,320
+HK$3,922/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,796/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,022
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,324
−HK$2,340/mo
Today · 4.125%
HK$78,664
baseline
▲ 0.50% · 4.625%
HK$83,450
+HK$4,786/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$157,328/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,349
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,557
−HK$2,241/mo
Today · 4.125%
HK$86,798
baseline
▲ 0.50% · 4.625%
HK$91,373
+HK$4,575/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$173,596/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,171
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,131
−HK$3,008/mo
Today · 4.125%
HK$101,139
baseline
▲ 0.50% · 4.625%
HK$107,293
+HK$6,154/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,278/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,877
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,716
−HK$2,881/mo
Today · 4.125%
HK$111,597
baseline
▲ 0.50% · 4.625%
HK$117,479
+HK$5,882/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,194/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,456 · Scale 2, in force from 26 Feb 2026)