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$52,778
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,420
−HK$1,668/mo
Today · 4.125%
HK$56,088
baseline
▲ 0.50% · 4.625%
HK$59,501
+HK$3,413/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,176/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,715
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,290
−HK$1,597/mo
Today · 4.125%
HK$61,887
baseline
▲ 0.50% · 4.625%
HK$65,150
+HK$3,263/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,774/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,334
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,304
−HK$2,001/mo
Today · 4.125%
HK$67,305
baseline
▲ 0.50% · 4.625%
HK$71,401
+HK$4,096/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,610/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,458
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,348
−HK$1,917/mo
Today · 4.125%
HK$74,265
baseline
▲ 0.50% · 4.625%
HK$78,180
+HK$3,915/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,530/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,890
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,188
−HK$2,335/mo
Today · 4.125%
HK$78,523
baseline
▲ 0.50% · 4.625%
HK$83,301
+HK$4,778/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,046/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,201
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,406
−HK$2,236/mo
Today · 4.125%
HK$86,642
baseline
▲ 0.50% · 4.625%
HK$91,209
+HK$4,567/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,284/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,001
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,956
−HK$3,002/mo
Today · 4.125%
HK$100,958
baseline
▲ 0.50% · 4.625%
HK$107,101
+HK$6,143/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,916/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,687
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$108,522
−HK$2,875/mo
Today · 4.125%
HK$111,397
baseline
▲ 0.50% · 4.625%
HK$117,269
+HK$5,872/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,794/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,694 · Scale 2, in force from 26 Feb 2026)