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$53,372
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,032
−HK$1,687/mo
Today · 4.125%
HK$56,719
baseline
▲ 0.50% · 4.625%
HK$60,170
+HK$3,451/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,438/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,375
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,968
−HK$1,615/mo
Today · 4.125%
HK$62,583
baseline
▲ 0.50% · 4.625%
HK$65,882
+HK$3,299/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,166/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,046
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,038
−HK$2,024/mo
Today · 4.125%
HK$68,062
baseline
▲ 0.50% · 4.625%
HK$72,204
+HK$4,142/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,124/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,250
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,161
−HK$1,939/mo
Today · 4.125%
HK$75,100
baseline
▲ 0.50% · 4.625%
HK$79,059
+HK$3,959/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,200/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,720
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,045
−HK$2,361/mo
Today · 4.125%
HK$79,406
baseline
▲ 0.50% · 4.625%
HK$84,238
+HK$4,832/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,812/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,126
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,355
−HK$2,262/mo
Today · 4.125%
HK$87,617
baseline
▲ 0.50% · 4.625%
HK$92,235
+HK$4,618/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,234/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,069
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,057
−HK$3,036/mo
Today · 4.125%
HK$102,093
baseline
▲ 0.50% · 4.625%
HK$108,305
+HK$6,212/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,186/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,876
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,742
−HK$2,908/mo
Today · 4.125%
HK$112,650
baseline
▲ 0.50% · 4.625%
HK$118,588
+HK$5,938/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,300/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,754 · Scale 2, in force from 26 Feb 2026)