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$52,794
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,436
−HK$1,668/mo
Today · 4.125%
HK$56,104
baseline
▲ 0.50% · 4.625%
HK$59,518
+HK$3,414/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,208/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,732
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,307
−HK$1,598/mo
Today · 4.125%
HK$61,905
baseline
▲ 0.50% · 4.625%
HK$65,169
+HK$3,264/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,810/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,352
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,323
−HK$2,002/mo
Today · 4.125%
HK$67,325
baseline
▲ 0.50% · 4.625%
HK$71,422
+HK$4,097/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,650/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,479
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,369
−HK$1,918/mo
Today · 4.125%
HK$74,287
baseline
▲ 0.50% · 4.625%
HK$78,202
+HK$3,915/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,574/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,911
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,210
−HK$2,336/mo
Today · 4.125%
HK$78,546
baseline
▲ 0.50% · 4.625%
HK$83,325
+HK$4,779/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,092/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,225
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,430
−HK$2,238/mo
Today · 4.125%
HK$86,668
baseline
▲ 0.50% · 4.625%
HK$91,236
+HK$4,568/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,336/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,028
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$97,984
−HK$3,004/mo
Today · 4.125%
HK$100,988
baseline
▲ 0.50% · 4.625%
HK$107,132
+HK$6,144/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$201,976/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,718
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,553
−HK$2,877/mo
Today · 4.125%
HK$111,430
baseline
▲ 0.50% · 4.625%
HK$117,303
+HK$5,873/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,860/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,980 · Scale 2, in force from 26 Feb 2026)