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$53,088
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,740
−HK$1,677/mo
Today · 4.125%
HK$56,417
baseline
▲ 0.50% · 4.625%
HK$59,850
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,834/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,060
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,644
−HK$1,607/mo
Today · 4.125%
HK$62,251
baseline
▲ 0.50% · 4.625%
HK$65,532
+HK$3,281/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,502/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,706
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,688
−HK$2,013/mo
Today · 4.125%
HK$67,701
baseline
▲ 0.50% · 4.625%
HK$71,820
+HK$4,119/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,402/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,872
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,773
−HK$1,928/mo
Today · 4.125%
HK$74,701
baseline
▲ 0.50% · 4.625%
HK$78,639
+HK$3,938/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,402/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,324
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,636
−HK$2,348/mo
Today · 4.125%
HK$78,984
baseline
▲ 0.50% · 4.625%
HK$83,790
+HK$4,806/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$157,968/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,684
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,902
−HK$2,249/mo
Today · 4.125%
HK$87,151
baseline
▲ 0.50% · 4.625%
HK$91,745
+HK$4,594/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$174,302/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,559
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,531
−HK$3,020/mo
Today · 4.125%
HK$101,551
baseline
▲ 0.50% · 4.625%
HK$107,730
+HK$6,179/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,102/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,308
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,160
−HK$2,892/mo
Today · 4.125%
HK$112,052
baseline
▲ 0.50% · 4.625%
HK$117,958
+HK$5,906/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,104/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,474 · Scale 2, in force from 26 Feb 2026)