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$52,954
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,601
−HK$1,674/mo
Today · 4.125%
HK$56,275
baseline
▲ 0.50% · 4.625%
HK$59,699
+HK$3,424/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,550/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,911
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,491
−HK$1,602/mo
Today · 4.125%
HK$62,093
baseline
▲ 0.50% · 4.625%
HK$65,366
+HK$3,273/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,186/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,545
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,521
−HK$2,009/mo
Today · 4.125%
HK$67,530
baseline
▲ 0.50% · 4.625%
HK$71,639
+HK$4,109/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,060/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,693
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,589
−HK$1,923/mo
Today · 4.125%
HK$74,512
baseline
▲ 0.50% · 4.625%
HK$78,440
+HK$3,928/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$149,024/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,135
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,442
−HK$2,342/mo
Today · 4.125%
HK$78,784
baseline
▲ 0.50% · 4.625%
HK$83,578
+HK$4,794/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$157,568/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,475
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,687
−HK$2,244/mo
Today · 4.125%
HK$86,931
baseline
▲ 0.50% · 4.625%
HK$91,513
+HK$4,582/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$173,862/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,317
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,282
−HK$3,012/mo
Today · 4.125%
HK$101,294
baseline
▲ 0.50% · 4.625%
HK$107,458
+HK$6,164/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,588/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,039
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,883
−HK$2,885/mo
Today · 4.125%
HK$111,768
baseline
▲ 0.50% · 4.625%
HK$117,660
+HK$5,892/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,536/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,969 · Scale 2, in force from 26 Feb 2026)