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$53,073
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,724
−HK$1,677/mo
Today · 4.125%
HK$56,401
baseline
▲ 0.50% · 4.625%
HK$59,833
+HK$3,432/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,802/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,043
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,627
−HK$1,606/mo
Today · 4.125%
HK$62,233
baseline
▲ 0.50% · 4.625%
HK$65,513
+HK$3,280/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,466/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,688
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,669
−HK$2,012/mo
Today · 4.125%
HK$67,681
baseline
▲ 0.50% · 4.625%
HK$71,800
+HK$4,119/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,362/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,852
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,752
−HK$1,928/mo
Today · 4.125%
HK$74,680
baseline
▲ 0.50% · 4.625%
HK$78,616
+HK$3,936/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,360/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,302
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,613
−HK$2,349/mo
Today · 4.125%
HK$78,962
baseline
▲ 0.50% · 4.625%
HK$83,766
+HK$4,804/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,924/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,660
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,877
−HK$2,249/mo
Today · 4.125%
HK$87,126
baseline
▲ 0.50% · 4.625%
HK$91,719
+HK$4,593/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,252/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,531
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,503
−HK$3,019/mo
Today · 4.125%
HK$101,522
baseline
▲ 0.50% · 4.625%
HK$107,699
+HK$6,177/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,044/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,278
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,128
−HK$2,891/mo
Today · 4.125%
HK$112,019
baseline
▲ 0.50% · 4.625%
HK$117,924
+HK$5,905/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,038/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,188 · Scale 2, in force from 26 Feb 2026)