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$53,147
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,800
−HK$1,680/mo
Today · 4.125%
HK$56,480
baseline
▲ 0.50% · 4.625%
HK$59,916
+HK$3,436/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,960/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,125
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,711
−HK$1,609/mo
Today · 4.125%
HK$62,320
baseline
▲ 0.50% · 4.625%
HK$65,605
+HK$3,285/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,640/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,776
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,760
−HK$2,016/mo
Today · 4.125%
HK$67,776
baseline
▲ 0.50% · 4.625%
HK$71,900
+HK$4,124/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,552/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,951
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,853
−HK$1,931/mo
Today · 4.125%
HK$74,784
baseline
▲ 0.50% · 4.625%
HK$78,726
+HK$3,942/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,568/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,406
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,720
−HK$2,352/mo
Today · 4.125%
HK$79,072
baseline
▲ 0.50% · 4.625%
HK$83,883
+HK$4,811/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$158,144/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,776
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,996
−HK$2,252/mo
Today · 4.125%
HK$87,248
baseline
▲ 0.50% · 4.625%
HK$91,847
+HK$4,599/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$174,496/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,665
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,640
−HK$3,024/mo
Today · 4.125%
HK$101,664
baseline
▲ 0.50% · 4.625%
HK$107,850
+HK$6,186/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$203,328/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,426
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,280
−HK$2,896/mo
Today · 4.125%
HK$112,176
baseline
▲ 0.50% · 4.625%
HK$118,089
+HK$5,913/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$224,352/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,567 · Scale 2, in force from 26 Feb 2026)