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$52,751
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,392
−HK$1,667/mo
Today · 4.125%
HK$56,059
baseline
▲ 0.50% · 4.625%
HK$59,470
+HK$3,411/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,118/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,685
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,259
−HK$1,597/mo
Today · 4.125%
HK$61,856
baseline
▲ 0.50% · 4.625%
HK$65,116
+HK$3,260/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,712/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,301
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,270
−HK$2,001/mo
Today · 4.125%
HK$67,271
baseline
▲ 0.50% · 4.625%
HK$71,364
+HK$4,093/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,542/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,422
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,311
−HK$1,916/mo
Today · 4.125%
HK$74,227
baseline
▲ 0.50% · 4.625%
HK$78,139
+HK$3,912/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,454/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,851
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,149
−HK$2,334/mo
Today · 4.125%
HK$78,483
baseline
▲ 0.50% · 4.625%
HK$83,258
+HK$4,775/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,966/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,159
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,362
−HK$2,236/mo
Today · 4.125%
HK$86,598
baseline
▲ 0.50% · 4.625%
HK$91,162
+HK$4,564/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,196/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,952
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,905
−HK$3,001/mo
Today · 4.125%
HK$100,906
baseline
▲ 0.50% · 4.625%
HK$107,046
+HK$6,140/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,812/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,633
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,466
−HK$2,874/mo
Today · 4.125%
HK$111,340
baseline
▲ 0.50% · 4.625%
HK$117,209
+HK$5,869/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,680/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,188 · Scale 2, in force from 26 Feb 2026)