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$52,697
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,336
−HK$1,666/mo
Today · 4.125%
HK$56,002
baseline
▲ 0.50% · 4.625%
HK$59,409
+HK$3,407/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,004/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,625
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,198
−HK$1,595/mo
Today · 4.125%
HK$61,793
baseline
▲ 0.50% · 4.625%
HK$65,050
+HK$3,257/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,586/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,237
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,204
−HK$1,998/mo
Today · 4.125%
HK$67,202
baseline
▲ 0.50% · 4.625%
HK$71,291
+HK$4,089/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$134,404/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,350
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,237
−HK$1,914/mo
Today · 4.125%
HK$74,151
baseline
▲ 0.50% · 4.625%
HK$78,060
+HK$3,909/mo
Deposit HK$9.24M · loan HK$13.87M · min. income ≈ HK$148,302/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,776
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,071
−HK$2,332/mo
Today · 4.125%
HK$78,403
baseline
▲ 0.50% · 4.625%
HK$83,173
+HK$4,770/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,806/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,075
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,277
−HK$2,233/mo
Today · 4.125%
HK$86,510
baseline
▲ 0.50% · 4.625%
HK$91,070
+HK$4,560/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,020/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,855
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,806
−HK$2,997/mo
Today · 4.125%
HK$100,803
baseline
▲ 0.50% · 4.625%
HK$106,937
+HK$6,134/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,606/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,525
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,356
−HK$2,871/mo
Today · 4.125%
HK$111,227
baseline
▲ 0.50% · 4.625%
HK$117,090
+HK$5,863/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,454/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,186 · Scale 2, in force from 26 Feb 2026)