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$53,086
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,738
−HK$1,677/mo
Today · 4.125%
HK$56,415
baseline
▲ 0.50% · 4.625%
HK$59,848
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,830/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,058
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,642
−HK$1,607/mo
Today · 4.125%
HK$62,249
baseline
▲ 0.50% · 4.625%
HK$65,530
+HK$3,281/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,498/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,704
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,685
−HK$2,013/mo
Today · 4.125%
HK$67,698
baseline
▲ 0.50% · 4.625%
HK$71,818
+HK$4,120/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,396/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,870
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,770
−HK$1,928/mo
Today · 4.125%
HK$74,698
baseline
▲ 0.50% · 4.625%
HK$78,636
+HK$3,938/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,396/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,321
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,633
−HK$2,348/mo
Today · 4.125%
HK$78,981
baseline
▲ 0.50% · 4.625%
HK$83,787
+HK$4,806/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$157,962/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,681
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,899
−HK$2,249/mo
Today · 4.125%
HK$87,148
baseline
▲ 0.50% · 4.625%
HK$91,742
+HK$4,594/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$174,296/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,555
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,528
−HK$3,020/mo
Today · 4.125%
HK$101,548
baseline
▲ 0.50% · 4.625%
HK$107,727
+HK$6,179/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,096/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,304
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,155
−HK$2,893/mo
Today · 4.125%
HK$112,048
baseline
▲ 0.50% · 4.625%
HK$117,954
+HK$5,906/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,096/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,437 · Scale 2, in force from 26 Feb 2026)