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$53,083
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,734
−HK$1,678/mo
Today · 4.125%
HK$56,412
baseline
▲ 0.50% · 4.625%
HK$59,844
+HK$3,432/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,824/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,054
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,638
−HK$1,607/mo
Today · 4.125%
HK$62,245
baseline
▲ 0.50% · 4.625%
HK$65,526
+HK$3,281/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,490/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,700
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,681
−HK$2,013/mo
Today · 4.125%
HK$67,694
baseline
▲ 0.50% · 4.625%
HK$71,813
+HK$4,119/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,388/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,865
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,766
−HK$1,928/mo
Today · 4.125%
HK$74,694
baseline
▲ 0.50% · 4.625%
HK$78,631
+HK$3,937/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,388/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,316
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,628
−HK$2,349/mo
Today · 4.125%
HK$78,977
baseline
▲ 0.50% · 4.625%
HK$83,782
+HK$4,805/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$157,954/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,676
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,894
−HK$2,249/mo
Today · 4.125%
HK$87,143
baseline
▲ 0.50% · 4.625%
HK$91,736
+HK$4,593/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$174,286/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,550
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,522
−HK$3,019/mo
Today · 4.125%
HK$101,541
baseline
▲ 0.50% · 4.625%
HK$107,720
+HK$6,179/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,082/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,298
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,149
−HK$2,892/mo
Today · 4.125%
HK$112,041
baseline
▲ 0.50% · 4.625%
HK$117,947
+HK$5,906/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,082/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,378 · Scale 2, in force from 26 Feb 2026)