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$53,104
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,756
−HK$1,678/mo
Today · 4.125%
HK$56,434
baseline
▲ 0.50% · 4.625%
HK$59,868
+HK$3,434/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,868/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,077
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,662
−HK$1,607/mo
Today · 4.125%
HK$62,269
baseline
▲ 0.50% · 4.625%
HK$65,552
+HK$3,283/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,538/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,725
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,707
−HK$2,014/mo
Today · 4.125%
HK$67,721
baseline
▲ 0.50% · 4.625%
HK$71,841
+HK$4,120/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$135,442/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,893
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,794
−HK$1,929/mo
Today · 4.125%
HK$74,723
baseline
▲ 0.50% · 4.625%
HK$78,662
+HK$3,939/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$149,446/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,345
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,658
−HK$2,349/mo
Today · 4.125%
HK$79,007
baseline
▲ 0.50% · 4.625%
HK$83,815
+HK$4,808/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$158,014/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,708
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,927
−HK$2,250/mo
Today · 4.125%
HK$87,177
baseline
▲ 0.50% · 4.625%
HK$91,772
+HK$4,595/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,354/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,587
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,560
−HK$3,021/mo
Today · 4.125%
HK$101,581
baseline
▲ 0.50% · 4.625%
HK$107,762
+HK$6,181/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,162/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,339
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,191
−HK$2,894/mo
Today · 4.125%
HK$112,085
baseline
▲ 0.50% · 4.625%
HK$117,993
+HK$5,908/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,170/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,763 · Scale 2, in force from 26 Feb 2026)