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$52,763
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,404
−HK$1,667/mo
Today · 4.125%
HK$56,071
baseline
▲ 0.50% · 4.625%
HK$59,483
+HK$3,412/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,142/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,698
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,272
−HK$1,597/mo
Today · 4.125%
HK$61,869
baseline
▲ 0.50% · 4.625%
HK$65,130
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,738/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,315
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,285
−HK$2,001/mo
Today · 4.125%
HK$67,286
baseline
▲ 0.50% · 4.625%
HK$71,380
+HK$4,094/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$134,572/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,438
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,327
−HK$1,916/mo
Today · 4.125%
HK$74,243
baseline
▲ 0.50% · 4.625%
HK$78,157
+HK$3,914/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$148,486/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,868
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,166
−HK$2,334/mo
Today · 4.125%
HK$78,500
baseline
▲ 0.50% · 4.625%
HK$83,277
+HK$4,777/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,000/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,177
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,381
−HK$2,236/mo
Today · 4.125%
HK$86,617
baseline
▲ 0.50% · 4.625%
HK$91,183
+HK$4,566/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,234/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,973
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,927
−HK$3,002/mo
Today · 4.125%
HK$100,929
baseline
▲ 0.50% · 4.625%
HK$107,070
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,858/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,656
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,490
−HK$2,875/mo
Today · 4.125%
HK$111,365
baseline
▲ 0.50% · 4.625%
HK$117,235
+HK$5,870/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,730/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,405 · Scale 2, in force from 26 Feb 2026)