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$53,105
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,757
−HK$1,678/mo
Today · 4.125%
HK$56,435
baseline
▲ 0.50% · 4.625%
HK$59,869
+HK$3,434/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,870/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,079
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,664
−HK$1,607/mo
Today · 4.125%
HK$62,271
baseline
▲ 0.50% · 4.625%
HK$65,553
+HK$3,282/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,542/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,726
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,709
−HK$2,014/mo
Today · 4.125%
HK$67,723
baseline
▲ 0.50% · 4.625%
HK$71,843
+HK$4,120/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$135,446/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,895
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,796
−HK$1,929/mo
Today · 4.125%
HK$74,725
baseline
▲ 0.50% · 4.625%
HK$78,664
+HK$3,939/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$149,450/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,347
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,660
−HK$2,350/mo
Today · 4.125%
HK$79,010
baseline
▲ 0.50% · 4.625%
HK$83,817
+HK$4,807/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$158,020/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,711
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,929
−HK$2,250/mo
Today · 4.125%
HK$87,179
baseline
▲ 0.50% · 4.625%
HK$91,775
+HK$4,596/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,358/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,590
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,563
−HK$3,021/mo
Today · 4.125%
HK$101,584
baseline
▲ 0.50% · 4.625%
HK$107,765
+HK$6,181/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,168/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,342
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,194
−HK$2,894/mo
Today · 4.125%
HK$112,088
baseline
▲ 0.50% · 4.625%
HK$117,996
+HK$5,908/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,176/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,791 · Scale 2, in force from 26 Feb 2026)