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$53,102
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,754
−HK$1,678/mo
Today · 4.125%
HK$56,432
baseline
▲ 0.50% · 4.625%
HK$59,866
+HK$3,434/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,864/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,076
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,660
−HK$1,607/mo
Today · 4.125%
HK$62,267
baseline
▲ 0.50% · 4.625%
HK$65,549
+HK$3,282/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,534/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,722
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,705
−HK$2,013/mo
Today · 4.125%
HK$67,718
baseline
▲ 0.50% · 4.625%
HK$71,839
+HK$4,121/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$135,436/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,891
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,792
−HK$1,929/mo
Today · 4.125%
HK$74,721
baseline
▲ 0.50% · 4.625%
HK$78,659
+HK$3,938/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$149,442/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,343
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,655
−HK$2,350/mo
Today · 4.125%
HK$79,005
baseline
▲ 0.50% · 4.625%
HK$83,812
+HK$4,807/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$158,010/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,706
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,924
−HK$2,250/mo
Today · 4.125%
HK$87,174
baseline
▲ 0.50% · 4.625%
HK$91,769
+HK$4,595/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,348/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,584
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,557
−HK$3,021/mo
Today · 4.125%
HK$101,578
baseline
▲ 0.50% · 4.625%
HK$107,758
+HK$6,180/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,156/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,336
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,188
−HK$2,893/mo
Today · 4.125%
HK$112,081
baseline
▲ 0.50% · 4.625%
HK$117,989
+HK$5,908/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,162/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,730 · Scale 2, in force from 26 Feb 2026)