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$52,854
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,498
−HK$1,670/mo
Today · 4.125%
HK$56,168
baseline
▲ 0.50% · 4.625%
HK$59,586
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,336/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,799
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,376
−HK$1,600/mo
Today · 4.125%
HK$61,976
baseline
▲ 0.50% · 4.625%
HK$65,243
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,952/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,424
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,397
−HK$2,005/mo
Today · 4.125%
HK$67,402
baseline
▲ 0.50% · 4.625%
HK$71,503
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,804/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,559
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,451
−HK$1,920/mo
Today · 4.125%
HK$74,371
baseline
▲ 0.50% · 4.625%
HK$78,291
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,742/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,995
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,297
−HK$2,338/mo
Today · 4.125%
HK$78,635
baseline
▲ 0.50% · 4.625%
HK$83,420
+HK$4,785/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$157,270/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,319
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,527
−HK$2,239/mo
Today · 4.125%
HK$86,766
baseline
▲ 0.50% · 4.625%
HK$91,340
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$173,532/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,137
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,096
−HK$3,007/mo
Today · 4.125%
HK$101,103
baseline
▲ 0.50% · 4.625%
HK$107,254
+HK$6,151/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,206/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,839
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,677
−HK$2,880/mo
Today · 4.125%
HK$111,557
baseline
▲ 0.50% · 4.625%
HK$117,437
+HK$5,880/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,114/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,101 · Scale 2, in force from 26 Feb 2026)