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$52,866
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,511
−HK$1,670/mo
Today · 4.125%
HK$56,181
baseline
▲ 0.50% · 4.625%
HK$59,600
+HK$3,419/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,362/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,813
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,390
−HK$1,601/mo
Today · 4.125%
HK$61,991
baseline
▲ 0.50% · 4.625%
HK$65,258
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,982/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,439
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,413
−HK$2,005/mo
Today · 4.125%
HK$67,418
baseline
▲ 0.50% · 4.625%
HK$71,520
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,836/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,576
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,469
−HK$1,920/mo
Today · 4.125%
HK$74,389
baseline
▲ 0.50% · 4.625%
HK$78,310
+HK$3,921/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,778/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,013
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,315
−HK$2,339/mo
Today · 4.125%
HK$78,654
baseline
▲ 0.50% · 4.625%
HK$83,440
+HK$4,786/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$157,308/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,338
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,547
−HK$2,240/mo
Today · 4.125%
HK$86,787
baseline
▲ 0.50% · 4.625%
HK$91,361
+HK$4,574/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$173,574/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,159
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,119
−HK$3,007/mo
Today · 4.125%
HK$101,126
baseline
▲ 0.50% · 4.625%
HK$107,280
+HK$6,154/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,252/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,864
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,703
−HK$2,880/mo
Today · 4.125%
HK$111,583
baseline
▲ 0.50% · 4.625%
HK$117,465
+HK$5,882/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,166/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,334 · Scale 2, in force from 26 Feb 2026)