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$53,091
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,743
−HK$1,678/mo
Today · 4.125%
HK$56,421
baseline
▲ 0.50% · 4.625%
HK$59,854
+HK$3,433/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,842/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,064
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,648
−HK$1,607/mo
Today · 4.125%
HK$62,255
baseline
▲ 0.50% · 4.625%
HK$65,536
+HK$3,281/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,510/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,710
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,691
−HK$2,014/mo
Today · 4.125%
HK$67,705
baseline
▲ 0.50% · 4.625%
HK$71,824
+HK$4,119/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,410/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,876
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,777
−HK$1,928/mo
Today · 4.125%
HK$74,705
baseline
▲ 0.50% · 4.625%
HK$78,643
+HK$3,938/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,410/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,328
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,640
−HK$2,349/mo
Today · 4.125%
HK$78,989
baseline
▲ 0.50% · 4.625%
HK$83,795
+HK$4,806/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$157,978/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,689
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,907
−HK$2,249/mo
Today · 4.125%
HK$87,156
baseline
▲ 0.50% · 4.625%
HK$91,751
+HK$4,595/mo
Deposit HK$6.98M · loan HK$16.30M · min. income ≈ HK$174,312/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,564
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,537
−HK$3,020/mo
Today · 4.125%
HK$101,557
baseline
▲ 0.50% · 4.625%
HK$107,737
+HK$6,180/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,114/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,314
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,166
−HK$2,892/mo
Today · 4.125%
HK$112,058
baseline
▲ 0.50% · 4.625%
HK$117,965
+HK$5,907/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,116/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,530 · Scale 2, in force from 26 Feb 2026)