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$52,771
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,413
−HK$1,667/mo
Today · 4.125%
HK$56,080
baseline
▲ 0.50% · 4.625%
HK$59,493
+HK$3,413/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,160/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,707
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,282
−HK$1,597/mo
Today · 4.125%
HK$61,879
baseline
▲ 0.50% · 4.625%
HK$65,141
+HK$3,262/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,758/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,325
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,295
−HK$2,001/mo
Today · 4.125%
HK$67,296
baseline
▲ 0.50% · 4.625%
HK$71,391
+HK$4,095/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,592/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,449
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,338
−HK$1,917/mo
Today · 4.125%
HK$74,255
baseline
▲ 0.50% · 4.625%
HK$78,169
+HK$3,914/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,510/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,880
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,178
−HK$2,335/mo
Today · 4.125%
HK$78,513
baseline
▲ 0.50% · 4.625%
HK$83,290
+HK$4,777/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,026/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,190
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,395
−HK$2,236/mo
Today · 4.125%
HK$86,631
baseline
▲ 0.50% · 4.625%
HK$91,197
+HK$4,566/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,262/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,988
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,943
−HK$3,002/mo
Today · 4.125%
HK$100,945
baseline
▲ 0.50% · 4.625%
HK$107,087
+HK$6,142/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,890/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,673
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,507
−HK$2,875/mo
Today · 4.125%
HK$111,382
baseline
▲ 0.50% · 4.625%
HK$117,254
+HK$5,872/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,764/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,563 · Scale 2, in force from 26 Feb 2026)