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$52,785
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,427
−HK$1,668/mo
Today · 4.125%
HK$56,095
baseline
▲ 0.50% · 4.625%
HK$59,508
+HK$3,413/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,190/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,722
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,297
−HK$1,598/mo
Today · 4.125%
HK$61,895
baseline
▲ 0.50% · 4.625%
HK$65,158
+HK$3,263/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,790/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,342
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,312
−HK$2,002/mo
Today · 4.125%
HK$67,314
baseline
▲ 0.50% · 4.625%
HK$71,410
+HK$4,096/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,628/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,467
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,357
−HK$1,917/mo
Today · 4.125%
HK$74,274
baseline
▲ 0.50% · 4.625%
HK$78,189
+HK$3,915/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,548/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,899
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,197
−HK$2,336/mo
Today · 4.125%
HK$78,533
baseline
▲ 0.50% · 4.625%
HK$83,311
+HK$4,778/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,066/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,211
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,416
−HK$2,237/mo
Today · 4.125%
HK$86,653
baseline
▲ 0.50% · 4.625%
HK$91,221
+HK$4,568/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,306/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,012
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,968
−HK$3,003/mo
Today · 4.125%
HK$100,971
baseline
▲ 0.50% · 4.625%
HK$107,114
+HK$6,143/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,942/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,700
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,535
−HK$2,876/mo
Today · 4.125%
HK$111,411
baseline
▲ 0.50% · 4.625%
HK$117,284
+HK$5,873/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,822/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,815 · Scale 2, in force from 26 Feb 2026)