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$53,096
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,747
−HK$1,678/mo
Today · 4.125%
HK$56,425
baseline
▲ 0.50% · 4.625%
HK$59,859
+HK$3,434/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,850/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,068
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,653
−HK$1,607/mo
Today · 4.125%
HK$62,260
baseline
▲ 0.50% · 4.625%
HK$65,541
+HK$3,281/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,520/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,715
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,697
−HK$2,013/mo
Today · 4.125%
HK$67,710
baseline
▲ 0.50% · 4.625%
HK$71,830
+HK$4,120/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,420/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,882
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,783
−HK$1,929/mo
Today · 4.125%
HK$74,712
baseline
▲ 0.50% · 4.625%
HK$78,650
+HK$3,938/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,424/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,334
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,646
−HK$2,349/mo
Today · 4.125%
HK$78,995
baseline
▲ 0.50% · 4.625%
HK$83,802
+HK$4,807/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$157,990/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,696
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,914
−HK$2,250/mo
Today · 4.125%
HK$87,164
baseline
▲ 0.50% · 4.625%
HK$91,758
+HK$4,594/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,328/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,572
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,545
−HK$3,020/mo
Today · 4.125%
HK$101,565
baseline
▲ 0.50% · 4.625%
HK$107,745
+HK$6,180/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,130/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,323
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,175
−HK$2,892/mo
Today · 4.125%
HK$112,067
baseline
▲ 0.50% · 4.625%
HK$117,975
+HK$5,908/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,134/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,611 · Scale 2, in force from 26 Feb 2026)