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$52,704
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,343
−HK$1,666/mo
Today · 4.125%
HK$56,009
baseline
▲ 0.50% · 4.625%
HK$59,417
+HK$3,408/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,018/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,632
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,205
−HK$1,595/mo
Today · 4.125%
HK$61,800
baseline
▲ 0.50% · 4.625%
HK$65,058
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,600/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,244
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,212
−HK$1,998/mo
Today · 4.125%
HK$67,210
baseline
▲ 0.50% · 4.625%
HK$71,300
+HK$4,090/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,420/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,359
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,246
−HK$1,914/mo
Today · 4.125%
HK$74,160
baseline
▲ 0.50% · 4.625%
HK$78,069
+HK$3,909/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,320/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,785
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,080
−HK$2,332/mo
Today · 4.125%
HK$78,412
baseline
▲ 0.50% · 4.625%
HK$83,183
+HK$4,771/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,824/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,085
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,287
−HK$2,233/mo
Today · 4.125%
HK$86,520
baseline
▲ 0.50% · 4.625%
HK$91,081
+HK$4,561/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,040/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,867
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,818
−HK$2,998/mo
Today · 4.125%
HK$100,816
baseline
▲ 0.50% · 4.625%
HK$106,950
+HK$6,134/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,632/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,538
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,369
−HK$2,871/mo
Today · 4.125%
HK$111,240
baseline
▲ 0.50% · 4.625%
HK$117,104
+HK$5,864/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,480/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,306 · Scale 2, in force from 26 Feb 2026)