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$53,350
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,010
−HK$1,686/mo
Today · 4.125%
HK$56,696
baseline
▲ 0.50% · 4.625%
HK$60,145
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,392/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,352
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,943
−HK$1,615/mo
Today · 4.125%
HK$62,558
baseline
▲ 0.50% · 4.625%
HK$65,856
+HK$3,298/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,116/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,020
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,012
−HK$2,023/mo
Today · 4.125%
HK$68,035
baseline
▲ 0.50% · 4.625%
HK$72,175
+HK$4,140/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,070/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,222
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,132
−HK$1,938/mo
Today · 4.125%
HK$75,070
baseline
▲ 0.50% · 4.625%
HK$79,027
+HK$3,957/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,140/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,690
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,014
−HK$2,360/mo
Today · 4.125%
HK$79,374
baseline
▲ 0.50% · 4.625%
HK$84,204
+HK$4,830/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,748/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,092
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,321
−HK$2,260/mo
Today · 4.125%
HK$87,581
baseline
▲ 0.50% · 4.625%
HK$92,198
+HK$4,617/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,162/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,030
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,017
−HK$3,035/mo
Today · 4.125%
HK$102,052
baseline
▲ 0.50% · 4.625%
HK$108,262
+HK$6,210/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,104/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,833
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,698
−HK$2,907/mo
Today · 4.125%
HK$112,605
baseline
▲ 0.50% · 4.625%
HK$118,540
+HK$5,935/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,210/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,354 · Scale 2, in force from 26 Feb 2026)