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$52,705
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,344
−HK$1,666/mo
Today · 4.125%
HK$56,010
baseline
▲ 0.50% · 4.625%
HK$59,418
+HK$3,408/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,020/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,633
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,206
−HK$1,595/mo
Today · 4.125%
HK$61,801
baseline
▲ 0.50% · 4.625%
HK$65,059
+HK$3,258/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,602/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,246
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,213
−HK$1,999/mo
Today · 4.125%
HK$67,212
baseline
▲ 0.50% · 4.625%
HK$71,301
+HK$4,089/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,424/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,360
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,247
−HK$1,914/mo
Today · 4.125%
HK$74,161
baseline
▲ 0.50% · 4.625%
HK$78,070
+HK$3,909/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,322/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,786
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,082
−HK$2,332/mo
Today · 4.125%
HK$78,414
baseline
▲ 0.50% · 4.625%
HK$83,185
+HK$4,771/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,828/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,087
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,288
−HK$2,234/mo
Today · 4.125%
HK$86,522
baseline
▲ 0.50% · 4.625%
HK$91,082
+HK$4,560/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,044/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,868
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,819
−HK$2,998/mo
Today · 4.125%
HK$100,817
baseline
▲ 0.50% · 4.625%
HK$106,952
+HK$6,135/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,634/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,540
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,371
−HK$2,871/mo
Today · 4.125%
HK$111,242
baseline
▲ 0.50% · 4.625%
HK$117,106
+HK$5,864/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,484/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,322 · Scale 2, in force from 26 Feb 2026)