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$53,123
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,775
−HK$1,679/mo
Today · 4.125%
HK$56,454
baseline
▲ 0.50% · 4.625%
HK$59,889
+HK$3,435/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,908/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,099
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,684
−HK$1,608/mo
Today · 4.125%
HK$62,292
baseline
▲ 0.50% · 4.625%
HK$65,575
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,584/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,748
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,730
−HK$2,015/mo
Today · 4.125%
HK$67,745
baseline
▲ 0.50% · 4.625%
HK$71,867
+HK$4,122/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,490/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,919
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,821
−HK$1,929/mo
Today · 4.125%
HK$74,750
baseline
▲ 0.50% · 4.625%
HK$78,690
+HK$3,940/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,500/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,372
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,686
−HK$2,350/mo
Today · 4.125%
HK$79,036
baseline
▲ 0.50% · 4.625%
HK$83,845
+HK$4,809/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,072/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,738
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,957
−HK$2,251/mo
Today · 4.125%
HK$87,208
baseline
▲ 0.50% · 4.625%
HK$91,805
+HK$4,597/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,416/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,621
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,596
−HK$3,022/mo
Today · 4.125%
HK$101,618
baseline
▲ 0.50% · 4.625%
HK$107,801
+HK$6,183/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,236/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,378
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,231
−HK$2,894/mo
Today · 4.125%
HK$112,125
baseline
▲ 0.50% · 4.625%
HK$118,035
+HK$5,910/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,250/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,120 · Scale 2, in force from 26 Feb 2026)