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$53,082
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,734
−HK$1,677/mo
Today · 4.125%
HK$56,411
baseline
▲ 0.50% · 4.625%
HK$59,844
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,822/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,054
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,637
−HK$1,607/mo
Today · 4.125%
HK$62,244
baseline
▲ 0.50% · 4.625%
HK$65,525
+HK$3,281/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,488/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,699
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,680
−HK$2,013/mo
Today · 4.125%
HK$67,693
baseline
▲ 0.50% · 4.625%
HK$71,812
+HK$4,119/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,386/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,864
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,765
−HK$1,928/mo
Today · 4.125%
HK$74,693
baseline
▲ 0.50% · 4.625%
HK$78,630
+HK$3,937/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,386/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,315
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,627
−HK$2,349/mo
Today · 4.125%
HK$78,976
baseline
▲ 0.50% · 4.625%
HK$83,781
+HK$4,805/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$157,952/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,675
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,892
−HK$2,250/mo
Today · 4.125%
HK$87,142
baseline
▲ 0.50% · 4.625%
HK$91,735
+HK$4,593/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$174,284/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,548
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,520
−HK$3,020/mo
Today · 4.125%
HK$101,540
baseline
▲ 0.50% · 4.625%
HK$107,719
+HK$6,179/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,080/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,297
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,147
−HK$2,892/mo
Today · 4.125%
HK$112,039
baseline
▲ 0.50% · 4.625%
HK$117,945
+HK$5,906/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,078/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,364 · Scale 2, in force from 26 Feb 2026)