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$53,106
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,757
−HK$1,679/mo
Today · 4.125%
HK$56,436
baseline
▲ 0.50% · 4.625%
HK$59,870
+HK$3,434/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,872/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,079
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,664
−HK$1,607/mo
Today · 4.125%
HK$62,271
baseline
▲ 0.50% · 4.625%
HK$65,554
+HK$3,283/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,542/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,727
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,709
−HK$2,014/mo
Today · 4.125%
HK$67,723
baseline
▲ 0.50% · 4.625%
HK$71,844
+HK$4,121/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$135,446/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,895
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,797
−HK$1,929/mo
Today · 4.125%
HK$74,726
baseline
▲ 0.50% · 4.625%
HK$78,664
+HK$3,938/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$149,452/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,348
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,660
−HK$2,350/mo
Today · 4.125%
HK$79,010
baseline
▲ 0.50% · 4.625%
HK$83,818
+HK$4,808/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$158,020/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,711
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,929
−HK$2,251/mo
Today · 4.125%
HK$87,180
baseline
▲ 0.50% · 4.625%
HK$91,775
+HK$4,595/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,360/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,590
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,563
−HK$3,021/mo
Today · 4.125%
HK$101,584
baseline
▲ 0.50% · 4.625%
HK$107,765
+HK$6,181/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,168/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,343
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,195
−HK$2,893/mo
Today · 4.125%
HK$112,088
baseline
▲ 0.50% · 4.625%
HK$117,997
+HK$5,909/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,176/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,795 · Scale 2, in force from 26 Feb 2026)