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$53,090
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,741
−HK$1,678/mo
Today · 4.125%
HK$56,419
baseline
▲ 0.50% · 4.625%
HK$59,852
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,838/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,062
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,646
−HK$1,607/mo
Today · 4.125%
HK$62,253
baseline
▲ 0.50% · 4.625%
HK$65,535
+HK$3,282/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,506/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,708
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,690
−HK$2,013/mo
Today · 4.125%
HK$67,703
baseline
▲ 0.50% · 4.625%
HK$71,823
+HK$4,120/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,406/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,875
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,775
−HK$1,929/mo
Today · 4.125%
HK$74,704
baseline
▲ 0.50% · 4.625%
HK$78,641
+HK$3,937/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,408/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,326
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,638
−HK$2,349/mo
Today · 4.125%
HK$78,987
baseline
▲ 0.50% · 4.625%
HK$83,793
+HK$4,806/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$157,974/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,687
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,905
−HK$2,249/mo
Today · 4.125%
HK$87,154
baseline
▲ 0.50% · 4.625%
HK$91,748
+HK$4,594/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$174,308/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,562
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,535
−HK$3,020/mo
Today · 4.125%
HK$101,555
baseline
▲ 0.50% · 4.625%
HK$107,734
+HK$6,179/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,110/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,312
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,163
−HK$2,893/mo
Today · 4.125%
HK$112,056
baseline
▲ 0.50% · 4.625%
HK$117,962
+HK$5,906/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,112/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,507 · Scale 2, in force from 26 Feb 2026)