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$53,041
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,691
−HK$1,676/mo
Today · 4.125%
HK$56,367
baseline
▲ 0.50% · 4.625%
HK$59,797
+HK$3,430/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$112,734/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,007
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,590
−HK$1,605/mo
Today · 4.125%
HK$62,195
baseline
▲ 0.50% · 4.625%
HK$65,474
+HK$3,279/mo
Deposit HK$11.63M · loan HK$11.63M · min. income ≈ HK$124,390/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$988,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,649
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,629
−HK$2,011/mo
Today · 4.125%
HK$67,640
baseline
▲ 0.50% · 4.625%
HK$71,756
+HK$4,116/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$135,280/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,809
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,708
−HK$1,926/mo
Today · 4.125%
HK$74,634
baseline
▲ 0.50% · 4.625%
HK$78,568
+HK$3,934/mo
Deposit HK$9.30M · loan HK$13.96M · min. income ≈ HK$149,268/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$988,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,257
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,567
−HK$2,346/mo
Today · 4.125%
HK$78,913
baseline
▲ 0.50% · 4.625%
HK$83,715
+HK$4,802/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$157,826/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,610
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,826
−HK$2,247/mo
Today · 4.125%
HK$87,073
baseline
▲ 0.50% · 4.625%
HK$91,663
+HK$4,590/mo
Deposit HK$6.98M · loan HK$16.28M · min. income ≈ HK$174,146/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$988,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,473
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,443
−HK$3,017/mo
Today · 4.125%
HK$101,460
baseline
▲ 0.50% · 4.625%
HK$107,634
+HK$6,174/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$202,920/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,213
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,062
−HK$2,889/mo
Today · 4.125%
HK$111,951
baseline
▲ 0.50% · 4.625%
HK$117,852
+HK$5,901/mo
Deposit HK$2.33M · loan HK$20.93M · min. income ≈ HK$223,902/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$988,586 · Scale 2, in force from 26 Feb 2026)