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$53,069
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,719
−HK$1,678/mo
Today · 4.125%
HK$56,397
baseline
▲ 0.50% · 4.625%
HK$59,828
+HK$3,431/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,794/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,038
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,622
−HK$1,606/mo
Today · 4.125%
HK$62,228
baseline
▲ 0.50% · 4.625%
HK$65,508
+HK$3,280/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,456/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,682
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,663
−HK$2,013/mo
Today · 4.125%
HK$67,676
baseline
▲ 0.50% · 4.625%
HK$71,794
+HK$4,118/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,352/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,846
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,746
−HK$1,928/mo
Today · 4.125%
HK$74,674
baseline
▲ 0.50% · 4.625%
HK$78,610
+HK$3,936/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,348/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,296
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,607
−HK$2,348/mo
Today · 4.125%
HK$78,955
baseline
▲ 0.50% · 4.625%
HK$83,759
+HK$4,804/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,910/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,654
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,871
−HK$2,248/mo
Today · 4.125%
HK$87,119
baseline
▲ 0.50% · 4.625%
HK$91,711
+HK$4,592/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,238/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,524
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,495
−HK$3,019/mo
Today · 4.125%
HK$101,514
baseline
▲ 0.50% · 4.625%
HK$107,691
+HK$6,177/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,028/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,269
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,119
−HK$2,892/mo
Today · 4.125%
HK$112,011
baseline
▲ 0.50% · 4.625%
HK$117,915
+HK$5,904/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,022/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,109 · Scale 2, in force from 26 Feb 2026)