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$52,932
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,579
−HK$1,673/mo
Today · 4.125%
HK$56,252
baseline
▲ 0.50% · 4.625%
HK$59,674
+HK$3,422/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,504/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,887
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,466
−HK$1,602/mo
Today · 4.125%
HK$62,068
baseline
▲ 0.50% · 4.625%
HK$65,340
+HK$3,272/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,136/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,519
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,495
−HK$2,007/mo
Today · 4.125%
HK$67,502
baseline
▲ 0.50% · 4.625%
HK$71,609
+HK$4,107/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,004/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,664
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,559
−HK$1,923/mo
Today · 4.125%
HK$74,482
baseline
▲ 0.50% · 4.625%
HK$78,408
+HK$3,926/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$148,964/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,105
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,410
−HK$2,342/mo
Today · 4.125%
HK$78,752
baseline
▲ 0.50% · 4.625%
HK$83,544
+HK$4,792/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$157,504/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,441
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,652
−HK$2,243/mo
Today · 4.125%
HK$86,895
baseline
▲ 0.50% · 4.625%
HK$91,476
+HK$4,581/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$173,790/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,278
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,242
−HK$3,011/mo
Today · 4.125%
HK$101,253
baseline
▲ 0.50% · 4.625%
HK$107,414
+HK$6,161/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,506/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,996
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,839
−HK$2,884/mo
Today · 4.125%
HK$111,723
baseline
▲ 0.50% · 4.625%
HK$117,612
+HK$5,889/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,446/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,567 · Scale 2, in force from 26 Feb 2026)