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$53,354
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,014
−HK$1,686/mo
Today · 4.125%
HK$56,700
baseline
▲ 0.50% · 4.625%
HK$60,150
+HK$3,450/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,400/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,356
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,948
−HK$1,615/mo
Today · 4.125%
HK$62,563
baseline
▲ 0.50% · 4.625%
HK$65,861
+HK$3,298/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,126/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,025
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,017
−HK$2,023/mo
Today · 4.125%
HK$68,040
baseline
▲ 0.50% · 4.625%
HK$72,180
+HK$4,140/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,080/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,228
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,138
−HK$1,938/mo
Today · 4.125%
HK$75,076
baseline
▲ 0.50% · 4.625%
HK$79,033
+HK$3,957/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,152/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,696
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,020
−HK$2,360/mo
Today · 4.125%
HK$79,380
baseline
▲ 0.50% · 4.625%
HK$84,210
+HK$4,830/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,760/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,099
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,327
−HK$2,261/mo
Today · 4.125%
HK$87,588
baseline
▲ 0.50% · 4.625%
HK$92,205
+HK$4,617/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,176/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,038
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,025
−HK$3,035/mo
Today · 4.125%
HK$102,060
baseline
▲ 0.50% · 4.625%
HK$108,271
+HK$6,211/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,120/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,841
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,707
−HK$2,907/mo
Today · 4.125%
HK$112,614
baseline
▲ 0.50% · 4.625%
HK$118,550
+HK$5,936/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,228/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,434 · Scale 2, in force from 26 Feb 2026)