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$53,338
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,998
−HK$1,685/mo
Today · 4.125%
HK$56,683
baseline
▲ 0.50% · 4.625%
HK$60,132
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,366/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,338
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,930
−HK$1,614/mo
Today · 4.125%
HK$62,544
baseline
▲ 0.50% · 4.625%
HK$65,841
+HK$3,297/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,088/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,006
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,997
−HK$2,023/mo
Today · 4.125%
HK$68,020
baseline
▲ 0.50% · 4.625%
HK$72,159
+HK$4,139/mo
Deposit HK$9.36M · loan HK$14.03M · min. income ≈ HK$136,040/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,206
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,116
−HK$1,937/mo
Today · 4.125%
HK$75,053
baseline
▲ 0.50% · 4.625%
HK$79,009
+HK$3,956/mo
Deposit HK$9.36M · loan HK$14.03M · min. income ≈ HK$150,106/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,674
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,997
−HK$2,360/mo
Today · 4.125%
HK$79,357
baseline
▲ 0.50% · 4.625%
HK$84,185
+HK$4,828/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,714/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,074
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,302
−HK$2,260/mo
Today · 4.125%
HK$87,562
baseline
▲ 0.50% · 4.625%
HK$92,178
+HK$4,616/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,124/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,009
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$98,996
−HK$3,034/mo
Today · 4.125%
HK$102,030
baseline
▲ 0.50% · 4.625%
HK$108,238
+HK$6,208/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,060/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,809
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,674
−HK$2,906/mo
Today · 4.125%
HK$112,580
baseline
▲ 0.50% · 4.625%
HK$118,514
+HK$5,934/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,160/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,136 · Scale 2, in force from 26 Feb 2026)