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$53,355
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,015
−HK$1,686/mo
Today · 4.125%
HK$56,701
baseline
▲ 0.50% · 4.625%
HK$60,151
+HK$3,450/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,402/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,357
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,949
−HK$1,615/mo
Today · 4.125%
HK$62,564
baseline
▲ 0.50% · 4.625%
HK$65,862
+HK$3,298/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,128/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,026
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,018
−HK$2,023/mo
Today · 4.125%
HK$68,041
baseline
▲ 0.50% · 4.625%
HK$72,181
+HK$4,140/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,082/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,228
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,139
−HK$1,938/mo
Today · 4.125%
HK$75,077
baseline
▲ 0.50% · 4.625%
HK$79,034
+HK$3,957/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,154/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,697
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,021
−HK$2,360/mo
Today · 4.125%
HK$79,381
baseline
▲ 0.50% · 4.625%
HK$84,211
+HK$4,830/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,762/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,100
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,328
−HK$2,261/mo
Today · 4.125%
HK$87,589
baseline
▲ 0.50% · 4.625%
HK$92,206
+HK$4,617/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,178/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,039
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,027
−HK$3,035/mo
Today · 4.125%
HK$102,062
baseline
▲ 0.50% · 4.625%
HK$108,272
+HK$6,210/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,124/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,843
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,708
−HK$2,907/mo
Today · 4.125%
HK$112,615
baseline
▲ 0.50% · 4.625%
HK$118,551
+HK$5,936/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,230/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,446 · Scale 2, in force from 26 Feb 2026)