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$52,754
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,395
−HK$1,667/mo
Today · 4.125%
HK$56,062
baseline
▲ 0.50% · 4.625%
HK$59,474
+HK$3,412/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,124/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,689
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,263
−HK$1,596/mo
Today · 4.125%
HK$61,859
baseline
▲ 0.50% · 4.625%
HK$65,120
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,718/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,305
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,274
−HK$2,001/mo
Today · 4.125%
HK$67,275
baseline
▲ 0.50% · 4.625%
HK$71,368
+HK$4,093/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,550/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,426
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,315
−HK$1,916/mo
Today · 4.125%
HK$74,231
baseline
▲ 0.50% · 4.625%
HK$78,144
+HK$3,913/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,462/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,856
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,153
−HK$2,334/mo
Today · 4.125%
HK$78,487
baseline
▲ 0.50% · 4.625%
HK$83,263
+HK$4,776/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,974/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,164
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,368
−HK$2,235/mo
Today · 4.125%
HK$86,603
baseline
▲ 0.50% · 4.625%
HK$91,168
+HK$4,565/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,206/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,958
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,911
−HK$3,001/mo
Today · 4.125%
HK$100,912
baseline
▲ 0.50% · 4.625%
HK$107,053
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,824/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,639
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,473
−HK$2,874/mo
Today · 4.125%
HK$111,347
baseline
▲ 0.50% · 4.625%
HK$117,216
+HK$5,869/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,694/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,247 · Scale 2, in force from 26 Feb 2026)