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$53,155
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,808
−HK$1,680/mo
Today · 4.125%
HK$56,488
baseline
▲ 0.50% · 4.625%
HK$59,925
+HK$3,437/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$112,976/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,134
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,720
−HK$1,609/mo
Today · 4.125%
HK$62,329
baseline
▲ 0.50% · 4.625%
HK$65,615
+HK$3,286/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,658/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,786
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,770
−HK$2,016/mo
Today · 4.125%
HK$67,786
baseline
▲ 0.50% · 4.625%
HK$71,911
+HK$4,125/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$135,572/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,961
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,864
−HK$1,931/mo
Today · 4.125%
HK$74,795
baseline
▲ 0.50% · 4.625%
HK$78,738
+HK$3,943/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$149,590/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,417
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,732
−HK$2,352/mo
Today · 4.125%
HK$79,084
baseline
▲ 0.50% · 4.625%
HK$83,896
+HK$4,812/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$158,168/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,788
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,008
−HK$2,253/mo
Today · 4.125%
HK$87,261
baseline
▲ 0.50% · 4.625%
HK$91,861
+HK$4,600/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$174,522/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,679
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,655
−HK$3,024/mo
Today · 4.125%
HK$101,679
baseline
▲ 0.50% · 4.625%
HK$107,866
+HK$6,187/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$203,358/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,442
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,297
−HK$2,896/mo
Today · 4.125%
HK$112,193
baseline
▲ 0.50% · 4.625%
HK$118,106
+HK$5,913/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$224,386/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,717 · Scale 2, in force from 26 Feb 2026)