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$52,776
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,418
−HK$1,668/mo
Today · 4.125%
HK$56,086
baseline
▲ 0.50% · 4.625%
HK$59,499
+HK$3,413/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,172/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,713
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,288
−HK$1,597/mo
Today · 4.125%
HK$61,885
baseline
▲ 0.50% · 4.625%
HK$65,147
+HK$3,262/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,770/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,332
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,302
−HK$2,001/mo
Today · 4.125%
HK$67,303
baseline
▲ 0.50% · 4.625%
HK$71,398
+HK$4,095/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,606/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,456
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,345
−HK$1,917/mo
Today · 4.125%
HK$74,262
baseline
▲ 0.50% · 4.625%
HK$78,177
+HK$3,915/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,524/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,887
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,185
−HK$2,335/mo
Today · 4.125%
HK$78,520
baseline
▲ 0.50% · 4.625%
HK$83,298
+HK$4,778/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,040/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,199
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,403
−HK$2,236/mo
Today · 4.125%
HK$86,639
baseline
▲ 0.50% · 4.625%
HK$91,206
+HK$4,567/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,278/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,998
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,953
−HK$3,002/mo
Today · 4.125%
HK$100,955
baseline
▲ 0.50% · 4.625%
HK$107,098
+HK$6,143/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,910/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,684
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$108,518
−HK$2,876/mo
Today · 4.125%
HK$111,394
baseline
▲ 0.50% · 4.625%
HK$117,265
+HK$5,871/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,788/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,661 · Scale 2, in force from 26 Feb 2026)