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$53,106
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,758
−HK$1,679/mo
Today · 4.125%
HK$56,437
baseline
▲ 0.50% · 4.625%
HK$59,871
+HK$3,434/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,874/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,080
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,665
−HK$1,607/mo
Today · 4.125%
HK$62,272
baseline
▲ 0.50% · 4.625%
HK$65,555
+HK$3,283/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,544/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,728
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,710
−HK$2,014/mo
Today · 4.125%
HK$67,724
baseline
▲ 0.50% · 4.625%
HK$71,845
+HK$4,121/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$135,448/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,896
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,798
−HK$1,929/mo
Today · 4.125%
HK$74,727
baseline
▲ 0.50% · 4.625%
HK$78,665
+HK$3,938/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$149,454/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,349
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,661
−HK$2,350/mo
Today · 4.125%
HK$79,011
baseline
▲ 0.50% · 4.625%
HK$83,819
+HK$4,808/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$158,022/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,712
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,931
−HK$2,250/mo
Today · 4.125%
HK$87,181
baseline
▲ 0.50% · 4.625%
HK$91,776
+HK$4,595/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,362/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,591
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,565
−HK$3,021/mo
Today · 4.125%
HK$101,586
baseline
▲ 0.50% · 4.625%
HK$107,767
+HK$6,181/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,172/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,344
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,196
−HK$2,894/mo
Today · 4.125%
HK$112,090
baseline
▲ 0.50% · 4.625%
HK$117,998
+HK$5,908/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,180/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,809 · Scale 2, in force from 26 Feb 2026)