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$53,077
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,728
−HK$1,677/mo
Today · 4.125%
HK$56,405
baseline
▲ 0.50% · 4.625%
HK$59,837
+HK$3,432/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,810/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,047
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,631
−HK$1,607/mo
Today · 4.125%
HK$62,238
baseline
▲ 0.50% · 4.625%
HK$65,518
+HK$3,280/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,476/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,692
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,673
−HK$2,013/mo
Today · 4.125%
HK$67,686
baseline
▲ 0.50% · 4.625%
HK$71,805
+HK$4,119/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$135,372/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,857
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,757
−HK$1,928/mo
Today · 4.125%
HK$74,685
baseline
▲ 0.50% · 4.625%
HK$78,622
+HK$3,937/mo
Deposit HK$9.31M · loan HK$13.97M · min. income ≈ HK$149,370/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,308
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,619
−HK$2,348/mo
Today · 4.125%
HK$78,967
baseline
▲ 0.50% · 4.625%
HK$83,772
+HK$4,805/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,934/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,666
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,884
−HK$2,249/mo
Today · 4.125%
HK$87,133
baseline
▲ 0.50% · 4.625%
HK$91,726
+HK$4,593/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,266/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,538
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,510
−HK$3,019/mo
Today · 4.125%
HK$101,529
baseline
▲ 0.50% · 4.625%
HK$107,707
+HK$6,178/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,058/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,285
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,136
−HK$2,892/mo
Today · 4.125%
HK$112,028
baseline
▲ 0.50% · 4.625%
HK$117,933
+HK$5,905/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,056/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,260 · Scale 2, in force from 26 Feb 2026)