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$53,363
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,023
−HK$1,686/mo
Today · 4.125%
HK$56,709
baseline
▲ 0.50% · 4.625%
HK$60,160
+HK$3,451/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,418/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,366
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,958
−HK$1,615/mo
Today · 4.125%
HK$62,573
baseline
▲ 0.50% · 4.625%
HK$65,871
+HK$3,298/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,146/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,036
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,027
−HK$2,024/mo
Today · 4.125%
HK$68,051
baseline
▲ 0.50% · 4.625%
HK$72,192
+HK$4,141/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,102/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,239
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,149
−HK$1,939/mo
Today · 4.125%
HK$75,088
baseline
▲ 0.50% · 4.625%
HK$79,046
+HK$3,958/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,176/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,708
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,032
−HK$2,361/mo
Today · 4.125%
HK$79,393
baseline
▲ 0.50% · 4.625%
HK$84,224
+HK$4,831/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,786/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,112
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,341
−HK$2,261/mo
Today · 4.125%
HK$87,602
baseline
▲ 0.50% · 4.625%
HK$92,220
+HK$4,618/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,204/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,053
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,041
−HK$3,036/mo
Today · 4.125%
HK$102,077
baseline
▲ 0.50% · 4.625%
HK$108,288
+HK$6,211/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,154/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,858
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,724
−HK$2,908/mo
Today · 4.125%
HK$112,632
baseline
▲ 0.50% · 4.625%
HK$118,569
+HK$5,937/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,264/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,593 · Scale 2, in force from 26 Feb 2026)