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$52,926
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,572
−HK$1,673/mo
Today · 4.125%
HK$56,245
baseline
▲ 0.50% · 4.625%
HK$59,667
+HK$3,422/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,490/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,880
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,459
−HK$1,602/mo
Today · 4.125%
HK$62,061
baseline
▲ 0.50% · 4.625%
HK$65,332
+HK$3,271/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,122/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,511
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,487
−HK$2,007/mo
Today · 4.125%
HK$67,494
baseline
▲ 0.50% · 4.625%
HK$71,601
+HK$4,107/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$134,988/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,655
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,550
−HK$1,923/mo
Today · 4.125%
HK$74,473
baseline
▲ 0.50% · 4.625%
HK$78,398
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$148,946/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,096
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,401
−HK$2,342/mo
Today · 4.125%
HK$78,743
baseline
▲ 0.50% · 4.625%
HK$83,534
+HK$4,791/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$157,486/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,431
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,642
−HK$2,243/mo
Today · 4.125%
HK$86,885
baseline
▲ 0.50% · 4.625%
HK$91,465
+HK$4,580/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$173,770/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,267
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,230
−HK$3,011/mo
Today · 4.125%
HK$101,241
baseline
▲ 0.50% · 4.625%
HK$107,401
+HK$6,160/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,482/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,983
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,826
−HK$2,883/mo
Today · 4.125%
HK$111,709
baseline
▲ 0.50% · 4.625%
HK$117,597
+HK$5,888/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,418/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,447 · Scale 2, in force from 26 Feb 2026)