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$52,737
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,378
−HK$1,666/mo
Today · 4.125%
HK$56,044
baseline
▲ 0.50% · 4.625%
HK$59,454
+HK$3,410/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,088/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$982,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,669
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,243
−HK$1,596/mo
Today · 4.125%
HK$61,839
baseline
▲ 0.50% · 4.625%
HK$65,099
+HK$3,260/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,678/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$982,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,285
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,253
−HK$2,000/mo
Today · 4.125%
HK$67,253
baseline
▲ 0.50% · 4.625%
HK$71,345
+HK$4,092/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,506/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,403
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,292
−HK$1,915/mo
Today · 4.125%
HK$74,207
baseline
▲ 0.50% · 4.625%
HK$78,119
+HK$3,912/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,414/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,832
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,129
−HK$2,333/mo
Today · 4.125%
HK$78,462
baseline
▲ 0.50% · 4.625%
HK$83,236
+HK$4,774/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,924/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,137
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,340
−HK$2,235/mo
Today · 4.125%
HK$86,575
baseline
▲ 0.50% · 4.625%
HK$91,138
+HK$4,563/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,150/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,927
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,880
−HK$3,000/mo
Today · 4.125%
HK$100,880
baseline
▲ 0.50% · 4.625%
HK$107,018
+HK$6,138/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,760/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,605
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,437
−HK$2,874/mo
Today · 4.125%
HK$111,311
baseline
▲ 0.50% · 4.625%
HK$117,178
+HK$5,867/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,622/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,928 · Scale 2, in force from 26 Feb 2026)