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$52,709
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,348
−HK$1,666/mo
Today · 4.125%
HK$56,014
baseline
▲ 0.50% · 4.625%
HK$59,423
+HK$3,409/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,028/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,638
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,211
−HK$1,595/mo
Today · 4.125%
HK$61,806
baseline
▲ 0.50% · 4.625%
HK$65,064
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,612/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,251
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,218
−HK$1,999/mo
Today · 4.125%
HK$67,217
baseline
▲ 0.50% · 4.625%
HK$71,307
+HK$4,090/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,434/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,366
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,253
−HK$1,914/mo
Today · 4.125%
HK$74,167
baseline
▲ 0.50% · 4.625%
HK$78,077
+HK$3,910/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,334/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,792
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,088
−HK$2,332/mo
Today · 4.125%
HK$78,420
baseline
▲ 0.50% · 4.625%
HK$83,192
+HK$4,772/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,840/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,093
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,295
−HK$2,234/mo
Today · 4.125%
HK$86,529
baseline
▲ 0.50% · 4.625%
HK$91,090
+HK$4,561/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,058/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,876
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,827
−HK$2,999/mo
Today · 4.125%
HK$100,826
baseline
▲ 0.50% · 4.625%
HK$106,961
+HK$6,135/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,652/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,549
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,379
−HK$2,872/mo
Today · 4.125%
HK$111,251
baseline
▲ 0.50% · 4.625%
HK$117,115
+HK$5,864/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,502/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,403 · Scale 2, in force from 26 Feb 2026)