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$53,357
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,017
−HK$1,686/mo
Today · 4.125%
HK$56,703
baseline
▲ 0.50% · 4.625%
HK$60,153
+HK$3,450/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,406/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,359
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,951
−HK$1,615/mo
Today · 4.125%
HK$62,566
baseline
▲ 0.50% · 4.625%
HK$65,864
+HK$3,298/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,132/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,028
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,020
−HK$2,023/mo
Today · 4.125%
HK$68,043
baseline
▲ 0.50% · 4.625%
HK$72,184
+HK$4,141/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,086/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,231
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,141
−HK$1,938/mo
Today · 4.125%
HK$75,079
baseline
▲ 0.50% · 4.625%
HK$79,037
+HK$3,958/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,158/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,700
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,023
−HK$2,361/mo
Today · 4.125%
HK$79,384
baseline
▲ 0.50% · 4.625%
HK$84,214
+HK$4,830/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,768/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,102
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,331
−HK$2,261/mo
Today · 4.125%
HK$87,592
baseline
▲ 0.50% · 4.625%
HK$92,209
+HK$4,617/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,184/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,042
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,030
−HK$3,035/mo
Today · 4.125%
HK$102,065
baseline
▲ 0.50% · 4.625%
HK$108,275
+HK$6,210/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,130/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,846
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,712
−HK$2,907/mo
Today · 4.125%
HK$112,619
baseline
▲ 0.50% · 4.625%
HK$118,555
+HK$5,936/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,238/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,478 · Scale 2, in force from 26 Feb 2026)