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$53,348
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,008
−HK$1,686/mo
Today · 4.125%
HK$56,694
baseline
▲ 0.50% · 4.625%
HK$60,143
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,388/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,349
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,941
−HK$1,615/mo
Today · 4.125%
HK$62,556
baseline
▲ 0.50% · 4.625%
HK$65,853
+HK$3,297/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,112/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,018
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,009
−HK$2,023/mo
Today · 4.125%
HK$68,032
baseline
▲ 0.50% · 4.625%
HK$72,172
+HK$4,140/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,064/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,219
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,129
−HK$1,938/mo
Today · 4.125%
HK$75,067
baseline
▲ 0.50% · 4.625%
HK$79,024
+HK$3,957/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,134/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,688
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,011
−HK$2,360/mo
Today · 4.125%
HK$79,371
baseline
▲ 0.50% · 4.625%
HK$84,201
+HK$4,830/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,742/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,089
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,318
−HK$2,260/mo
Today · 4.125%
HK$87,578
baseline
▲ 0.50% · 4.625%
HK$92,195
+HK$4,617/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,156/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,027
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,014
−HK$3,035/mo
Today · 4.125%
HK$102,049
baseline
▲ 0.50% · 4.625%
HK$108,258
+HK$6,209/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,098/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,829
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,694
−HK$2,907/mo
Today · 4.125%
HK$112,601
baseline
▲ 0.50% · 4.625%
HK$118,536
+HK$5,935/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,202/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,319 · Scale 2, in force from 26 Feb 2026)