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$52,950
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,597
−HK$1,674/mo
Today · 4.125%
HK$56,271
baseline
▲ 0.50% · 4.625%
HK$59,695
+HK$3,424/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,542/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,907
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,487
−HK$1,602/mo
Today · 4.125%
HK$62,089
baseline
▲ 0.50% · 4.625%
HK$65,362
+HK$3,273/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,178/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,541
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,517
−HK$2,008/mo
Today · 4.125%
HK$67,525
baseline
▲ 0.50% · 4.625%
HK$71,634
+HK$4,109/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,050/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,688
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,584
−HK$1,923/mo
Today · 4.125%
HK$74,507
baseline
▲ 0.50% · 4.625%
HK$78,435
+HK$3,928/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$149,014/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,131
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,436
−HK$2,343/mo
Today · 4.125%
HK$78,779
baseline
▲ 0.50% · 4.625%
HK$83,573
+HK$4,794/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$157,558/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,470
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,681
−HK$2,244/mo
Today · 4.125%
HK$86,925
baseline
▲ 0.50% · 4.625%
HK$91,507
+HK$4,582/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$173,850/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,311
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,275
−HK$3,013/mo
Today · 4.125%
HK$101,288
baseline
▲ 0.50% · 4.625%
HK$107,451
+HK$6,163/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,576/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,032
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,876
−HK$2,885/mo
Today · 4.125%
HK$111,761
baseline
▲ 0.50% · 4.625%
HK$117,652
+HK$5,891/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,522/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,904 · Scale 2, in force from 26 Feb 2026)