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$53,071
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,722
−HK$1,677/mo
Today · 4.125%
HK$56,399
baseline
▲ 0.50% · 4.625%
HK$59,831
+HK$3,432/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,798/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,041
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,624
−HK$1,607/mo
Today · 4.125%
HK$62,231
baseline
▲ 0.50% · 4.625%
HK$65,511
+HK$3,280/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,462/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,685
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,666
−HK$2,013/mo
Today · 4.125%
HK$67,679
baseline
▲ 0.50% · 4.625%
HK$71,797
+HK$4,118/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,358/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,849
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,749
−HK$1,928/mo
Today · 4.125%
HK$74,677
baseline
▲ 0.50% · 4.625%
HK$78,613
+HK$3,936/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,354/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,299
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,610
−HK$2,348/mo
Today · 4.125%
HK$78,958
baseline
▲ 0.50% · 4.625%
HK$83,763
+HK$4,805/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,916/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,657
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,874
−HK$2,249/mo
Today · 4.125%
HK$87,123
baseline
▲ 0.50% · 4.625%
HK$91,715
+HK$4,592/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,246/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,528
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,499
−HK$3,019/mo
Today · 4.125%
HK$101,518
baseline
▲ 0.50% · 4.625%
HK$107,695
+HK$6,177/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,036/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,273
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,124
−HK$2,891/mo
Today · 4.125%
HK$112,015
baseline
▲ 0.50% · 4.625%
HK$117,920
+HK$5,905/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,030/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,149 · Scale 2, in force from 26 Feb 2026)