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$52,747
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,387
−HK$1,667/mo
Today · 4.125%
HK$56,054
baseline
▲ 0.50% · 4.625%
HK$59,465
+HK$3,411/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,108/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,680
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,254
−HK$1,597/mo
Today · 4.125%
HK$61,851
baseline
▲ 0.50% · 4.625%
HK$65,111
+HK$3,260/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,702/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,296
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,265
−HK$2,000/mo
Today · 4.125%
HK$67,265
baseline
▲ 0.50% · 4.625%
HK$71,358
+HK$4,093/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,530/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,416
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,305
−HK$1,916/mo
Today · 4.125%
HK$74,221
baseline
▲ 0.50% · 4.625%
HK$78,133
+HK$3,912/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,442/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,845
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,142
−HK$2,334/mo
Today · 4.125%
HK$78,476
baseline
▲ 0.50% · 4.625%
HK$83,251
+HK$4,775/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,952/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,152
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,356
−HK$2,235/mo
Today · 4.125%
HK$86,591
baseline
▲ 0.50% · 4.625%
HK$91,155
+HK$4,564/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,182/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,944
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,897
−HK$3,001/mo
Today · 4.125%
HK$100,898
baseline
▲ 0.50% · 4.625%
HK$107,037
+HK$6,139/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,796/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,624
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,457
−HK$2,874/mo
Today · 4.125%
HK$111,331
baseline
▲ 0.50% · 4.625%
HK$117,199
+HK$5,868/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,662/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,108 · Scale 2, in force from 26 Feb 2026)