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$52,756
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,397
−HK$1,667/mo
Today · 4.125%
HK$56,064
baseline
▲ 0.50% · 4.625%
HK$59,475
+HK$3,411/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,128/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,690
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,264
−HK$1,597/mo
Today · 4.125%
HK$61,861
baseline
▲ 0.50% · 4.625%
HK$65,122
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,722/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,307
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,276
−HK$2,001/mo
Today · 4.125%
HK$67,277
baseline
▲ 0.50% · 4.625%
HK$71,371
+HK$4,094/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,554/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,428
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,317
−HK$1,916/mo
Today · 4.125%
HK$74,233
baseline
▲ 0.50% · 4.625%
HK$78,146
+HK$3,913/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,466/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,858
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,156
−HK$2,334/mo
Today · 4.125%
HK$78,490
baseline
▲ 0.50% · 4.625%
HK$83,266
+HK$4,776/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$156,980/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,166
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,370
−HK$2,236/mo
Today · 4.125%
HK$86,606
baseline
▲ 0.50% · 4.625%
HK$91,171
+HK$4,565/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,212/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,960
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,914
−HK$3,001/mo
Today · 4.125%
HK$100,915
baseline
▲ 0.50% · 4.625%
HK$107,056
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,830/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,643
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,476
−HK$2,874/mo
Today · 4.125%
HK$111,350
baseline
▲ 0.50% · 4.625%
HK$117,219
+HK$5,869/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,700/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,277 · Scale 2, in force from 26 Feb 2026)