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$53,098
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,750
−HK$1,678/mo
Today · 4.125%
HK$56,428
baseline
▲ 0.50% · 4.625%
HK$59,861
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,856/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,071
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,655
−HK$1,607/mo
Today · 4.125%
HK$62,262
baseline
▲ 0.50% · 4.625%
HK$65,544
+HK$3,282/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,524/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,717
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,699
−HK$2,014/mo
Today · 4.125%
HK$67,713
baseline
▲ 0.50% · 4.625%
HK$71,833
+HK$4,120/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,426/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,885
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,786
−HK$1,929/mo
Today · 4.125%
HK$74,715
baseline
▲ 0.50% · 4.625%
HK$78,653
+HK$3,938/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,430/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,337
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,649
−HK$2,350/mo
Today · 4.125%
HK$78,999
baseline
▲ 0.50% · 4.625%
HK$83,806
+HK$4,807/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$157,998/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,699
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,917
−HK$2,250/mo
Today · 4.125%
HK$87,167
baseline
▲ 0.50% · 4.625%
HK$91,762
+HK$4,595/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,334/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,576
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,549
−HK$3,021/mo
Today · 4.125%
HK$101,570
baseline
▲ 0.50% · 4.625%
HK$107,750
+HK$6,180/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,140/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,328
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,179
−HK$2,893/mo
Today · 4.125%
HK$112,072
baseline
▲ 0.50% · 4.625%
HK$117,980
+HK$5,908/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,144/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,652 · Scale 2, in force from 26 Feb 2026)