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$53,336
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,995
−HK$1,685/mo
Today · 4.125%
HK$56,680
baseline
▲ 0.50% · 4.625%
HK$60,129
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,360/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,336
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,927
−HK$1,614/mo
Today · 4.125%
HK$62,541
baseline
▲ 0.50% · 4.625%
HK$65,838
+HK$3,297/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,082/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,003
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,994
−HK$2,023/mo
Today · 4.125%
HK$68,017
baseline
▲ 0.50% · 4.625%
HK$72,155
+HK$4,138/mo
Deposit HK$9.36M · loan HK$14.03M · min. income ≈ HK$136,034/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,203
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,112
−HK$1,938/mo
Today · 4.125%
HK$75,050
baseline
▲ 0.50% · 4.625%
HK$79,005
+HK$3,955/mo
Deposit HK$9.36M · loan HK$14.03M · min. income ≈ HK$150,100/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,670
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,993
−HK$2,360/mo
Today · 4.125%
HK$79,353
baseline
▲ 0.50% · 4.625%
HK$84,181
+HK$4,828/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,706/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,070
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,298
−HK$2,260/mo
Today · 4.125%
HK$87,558
baseline
▲ 0.50% · 4.625%
HK$92,173
+HK$4,615/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,116/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,004
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$98,991
−HK$3,034/mo
Today · 4.125%
HK$102,025
baseline
▲ 0.50% · 4.625%
HK$108,233
+HK$6,208/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,050/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,804
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,668
−HK$2,906/mo
Today · 4.125%
HK$112,574
baseline
▲ 0.50% · 4.625%
HK$118,508
+HK$5,934/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,148/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,087 · Scale 2, in force from 26 Feb 2026)