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$53,094
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,746
−HK$1,678/mo
Today · 4.125%
HK$56,424
baseline
▲ 0.50% · 4.625%
HK$59,857
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,848/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,067
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,651
−HK$1,607/mo
Today · 4.125%
HK$62,258
baseline
▲ 0.50% · 4.625%
HK$65,540
+HK$3,282/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,516/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,713
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$2,013/mo
Today · 4.125%
HK$67,708
baseline
▲ 0.50% · 4.625%
HK$71,828
+HK$4,120/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,416/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,880
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,781
−HK$1,928/mo
Today · 4.125%
HK$74,709
baseline
▲ 0.50% · 4.625%
HK$78,647
+HK$3,938/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,418/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,332
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,644
−HK$2,349/mo
Today · 4.125%
HK$78,993
baseline
▲ 0.50% · 4.625%
HK$83,800
+HK$4,807/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$157,986/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,693
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,911
−HK$2,250/mo
Today · 4.125%
HK$87,161
baseline
▲ 0.50% · 4.625%
HK$91,755
+HK$4,594/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,322/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,569
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,542
−HK$3,020/mo
Today · 4.125%
HK$101,562
baseline
▲ 0.50% · 4.625%
HK$107,742
+HK$6,180/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,124/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,320
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,171
−HK$2,893/mo
Today · 4.125%
HK$112,064
baseline
▲ 0.50% · 4.625%
HK$117,971
+HK$5,907/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,128/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,582 · Scale 2, in force from 26 Feb 2026)