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$53,092
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,744
−HK$1,678/mo
Today · 4.125%
HK$56,422
baseline
▲ 0.50% · 4.625%
HK$59,855
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,844/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,065
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,649
−HK$1,607/mo
Today · 4.125%
HK$62,256
baseline
▲ 0.50% · 4.625%
HK$65,537
+HK$3,281/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,512/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,711
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,692
−HK$2,014/mo
Today · 4.125%
HK$67,706
baseline
▲ 0.50% · 4.625%
HK$71,826
+HK$4,120/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,412/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,877
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,778
−HK$1,929/mo
Today · 4.125%
HK$74,707
baseline
▲ 0.50% · 4.625%
HK$78,645
+HK$3,938/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,414/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,329
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,641
−HK$2,349/mo
Today · 4.125%
HK$78,990
baseline
▲ 0.50% · 4.625%
HK$83,796
+HK$4,806/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$157,980/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,690
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,908
−HK$2,250/mo
Today · 4.125%
HK$87,158
baseline
▲ 0.50% · 4.625%
HK$91,752
+HK$4,594/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,316/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,566
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,539
−HK$3,020/mo
Today · 4.125%
HK$101,559
baseline
▲ 0.50% · 4.625%
HK$107,738
+HK$6,179/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,118/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,316
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,167
−HK$2,893/mo
Today · 4.125%
HK$112,060
baseline
▲ 0.50% · 4.625%
HK$117,967
+HK$5,907/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,120/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,546 · Scale 2, in force from 26 Feb 2026)