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$52,802
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,445
−HK$1,668/mo
Today · 4.125%
HK$56,113
baseline
▲ 0.50% · 4.625%
HK$59,528
+HK$3,415/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,226/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,742
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,317
−HK$1,599/mo
Today · 4.125%
HK$61,916
baseline
▲ 0.50% · 4.625%
HK$65,179
+HK$3,263/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,832/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,363
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,334
−HK$2,002/mo
Today · 4.125%
HK$67,336
baseline
▲ 0.50% · 4.625%
HK$71,433
+HK$4,097/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,672/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,490
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,381
−HK$1,918/mo
Today · 4.125%
HK$74,299
baseline
▲ 0.50% · 4.625%
HK$78,215
+HK$3,916/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,598/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,923
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,223
−HK$2,336/mo
Today · 4.125%
HK$78,559
baseline
▲ 0.50% · 4.625%
HK$83,339
+HK$4,780/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,118/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,239
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,444
−HK$2,238/mo
Today · 4.125%
HK$86,682
baseline
▲ 0.50% · 4.625%
HK$91,251
+HK$4,569/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,364/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,044
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$98,001
−HK$3,003/mo
Today · 4.125%
HK$101,004
baseline
▲ 0.50% · 4.625%
HK$107,150
+HK$6,146/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$202,008/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,736
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,571
−HK$2,877/mo
Today · 4.125%
HK$111,448
baseline
▲ 0.50% · 4.625%
HK$117,323
+HK$5,875/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,896/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,143 · Scale 2, in force from 26 Feb 2026)