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$53,107
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,759
−HK$1,679/mo
Today · 4.125%
HK$56,438
baseline
▲ 0.50% · 4.625%
HK$59,872
+HK$3,434/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,876/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,081
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,666
−HK$1,607/mo
Today · 4.125%
HK$62,273
baseline
▲ 0.50% · 4.625%
HK$65,556
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,546/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,729
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,711
−HK$2,014/mo
Today · 4.125%
HK$67,725
baseline
▲ 0.50% · 4.625%
HK$71,846
+HK$4,121/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$135,450/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,898
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,799
−HK$1,929/mo
Today · 4.125%
HK$74,728
baseline
▲ 0.50% · 4.625%
HK$78,667
+HK$3,939/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$149,456/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,350
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,663
−HK$2,350/mo
Today · 4.125%
HK$79,013
baseline
▲ 0.50% · 4.625%
HK$83,821
+HK$4,808/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$158,026/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,714
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,932
−HK$2,251/mo
Today · 4.125%
HK$87,183
baseline
▲ 0.50% · 4.625%
HK$91,778
+HK$4,595/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,366/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,593
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,567
−HK$3,021/mo
Today · 4.125%
HK$101,588
baseline
▲ 0.50% · 4.625%
HK$107,769
+HK$6,181/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,176/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,347
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,199
−HK$2,893/mo
Today · 4.125%
HK$112,092
baseline
▲ 0.50% · 4.625%
HK$118,001
+HK$5,909/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,184/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,830 · Scale 2, in force from 26 Feb 2026)