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$52,950
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,597
−HK$1,673/mo
Today · 4.125%
HK$56,270
baseline
▲ 0.50% · 4.625%
HK$59,694
+HK$3,424/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,540/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,906
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,486
−HK$1,603/mo
Today · 4.125%
HK$62,089
baseline
▲ 0.50% · 4.625%
HK$65,362
+HK$3,273/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,178/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,540
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,516
−HK$2,009/mo
Today · 4.125%
HK$67,525
baseline
▲ 0.50% · 4.625%
HK$71,633
+HK$4,108/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,050/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,688
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,583
−HK$1,924/mo
Today · 4.125%
HK$74,507
baseline
▲ 0.50% · 4.625%
HK$78,434
+HK$3,927/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$149,014/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,130
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,436
−HK$2,343/mo
Today · 4.125%
HK$78,779
baseline
▲ 0.50% · 4.625%
HK$83,572
+HK$4,793/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$157,558/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,469
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,681
−HK$2,243/mo
Today · 4.125%
HK$86,924
baseline
▲ 0.50% · 4.625%
HK$91,506
+HK$4,582/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$173,848/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,310
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,275
−HK$3,012/mo
Today · 4.125%
HK$101,287
baseline
▲ 0.50% · 4.625%
HK$107,450
+HK$6,163/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,574/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,031
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,875
−HK$2,885/mo
Today · 4.125%
HK$111,760
baseline
▲ 0.50% · 4.625%
HK$117,651
+HK$5,891/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,520/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,896 · Scale 2, in force from 26 Feb 2026)