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$52,764
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,406
−HK$1,667/mo
Today · 4.125%
HK$56,073
baseline
▲ 0.50% · 4.625%
HK$59,485
+HK$3,412/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,146/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,700
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,274
−HK$1,597/mo
Today · 4.125%
HK$61,871
baseline
▲ 0.50% · 4.625%
HK$65,133
+HK$3,262/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,742/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,317
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,287
−HK$2,001/mo
Today · 4.125%
HK$67,288
baseline
▲ 0.50% · 4.625%
HK$71,382
+HK$4,094/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$134,576/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,440
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,329
−HK$1,916/mo
Today · 4.125%
HK$74,245
baseline
▲ 0.50% · 4.625%
HK$78,159
+HK$3,914/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$148,490/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,870
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,168
−HK$2,334/mo
Today · 4.125%
HK$78,502
baseline
▲ 0.50% · 4.625%
HK$83,279
+HK$4,777/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,004/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,180
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,384
−HK$2,236/mo
Today · 4.125%
HK$86,620
baseline
▲ 0.50% · 4.625%
HK$91,186
+HK$4,566/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,240/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,976
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,930
−HK$3,002/mo
Today · 4.125%
HK$100,932
baseline
▲ 0.50% · 4.625%
HK$107,073
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,864/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,660
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,493
−HK$2,875/mo
Today · 4.125%
HK$111,368
baseline
▲ 0.50% · 4.625%
HK$117,239
+HK$5,871/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,736/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,436 · Scale 2, in force from 26 Feb 2026)