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$53,083
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,735
−HK$1,677/mo
Today · 4.125%
HK$56,412
baseline
▲ 0.50% · 4.625%
HK$59,845
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,824/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,055
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,639
−HK$1,606/mo
Today · 4.125%
HK$62,245
baseline
▲ 0.50% · 4.625%
HK$65,526
+HK$3,281/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,490/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,700
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,682
−HK$2,013/mo
Today · 4.125%
HK$67,695
baseline
▲ 0.50% · 4.625%
HK$71,814
+HK$4,119/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,390/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,866
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,766
−HK$1,928/mo
Today · 4.125%
HK$74,694
baseline
▲ 0.50% · 4.625%
HK$78,632
+HK$3,938/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,388/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,317
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,629
−HK$2,348/mo
Today · 4.125%
HK$78,977
baseline
▲ 0.50% · 4.625%
HK$83,783
+HK$4,806/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$157,954/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,677
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,894
−HK$2,250/mo
Today · 4.125%
HK$87,144
baseline
▲ 0.50% · 4.625%
HK$91,737
+HK$4,593/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$174,288/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,550
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,522
−HK$3,020/mo
Today · 4.125%
HK$101,542
baseline
▲ 0.50% · 4.625%
HK$107,721
+HK$6,179/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,084/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,299
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,150
−HK$2,892/mo
Today · 4.125%
HK$112,042
baseline
▲ 0.50% · 4.625%
HK$117,948
+HK$5,906/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,084/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,384 · Scale 2, in force from 26 Feb 2026)