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$53,129
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,782
−HK$1,679/mo
Today · 4.125%
HK$56,461
baseline
▲ 0.50% · 4.625%
HK$59,896
+HK$3,435/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,922/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,105
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,691
−HK$1,608/mo
Today · 4.125%
HK$62,299
baseline
▲ 0.50% · 4.625%
HK$65,583
+HK$3,284/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,598/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,755
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,738
−HK$2,015/mo
Today · 4.125%
HK$67,753
baseline
▲ 0.50% · 4.625%
HK$71,875
+HK$4,122/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,506/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,926
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,829
−HK$1,929/mo
Today · 4.125%
HK$74,758
baseline
▲ 0.50% · 4.625%
HK$78,699
+HK$3,941/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,516/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,380
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,694
−HK$2,351/mo
Today · 4.125%
HK$79,045
baseline
▲ 0.50% · 4.625%
HK$83,854
+HK$4,809/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,090/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,748
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,967
−HK$2,251/mo
Today · 4.125%
HK$87,218
baseline
▲ 0.50% · 4.625%
HK$91,816
+HK$4,598/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,436/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,632
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,607
−HK$3,022/mo
Today · 4.125%
HK$101,629
baseline
▲ 0.50% · 4.625%
HK$107,813
+HK$6,184/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,258/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,390
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,243
−HK$2,895/mo
Today · 4.125%
HK$112,138
baseline
▲ 0.50% · 4.625%
HK$118,049
+HK$5,911/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,276/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,231 · Scale 2, in force from 26 Feb 2026)