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$53,369
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,029
−HK$1,687/mo
Today · 4.125%
HK$56,716
baseline
▲ 0.50% · 4.625%
HK$60,167
+HK$3,451/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,432/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,373
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,965
−HK$1,615/mo
Today · 4.125%
HK$62,580
baseline
▲ 0.50% · 4.625%
HK$65,879
+HK$3,299/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,160/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,043
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,035
−HK$2,024/mo
Today · 4.125%
HK$68,059
baseline
▲ 0.50% · 4.625%
HK$72,200
+HK$4,141/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,118/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,247
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,158
−HK$1,938/mo
Today · 4.125%
HK$75,096
baseline
▲ 0.50% · 4.625%
HK$79,055
+HK$3,959/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,192/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,717
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,041
−HK$2,361/mo
Today · 4.125%
HK$79,402
baseline
▲ 0.50% · 4.625%
HK$84,234
+HK$4,832/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,804/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,122
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,351
−HK$2,262/mo
Today · 4.125%
HK$87,613
baseline
▲ 0.50% · 4.625%
HK$92,231
+HK$4,618/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,226/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,065
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,053
−HK$3,036/mo
Today · 4.125%
HK$102,089
baseline
▲ 0.50% · 4.625%
HK$108,300
+HK$6,211/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,178/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,871
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,737
−HK$2,908/mo
Today · 4.125%
HK$112,645
baseline
▲ 0.50% · 4.625%
HK$118,582
+HK$5,937/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,290/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,709 · Scale 2, in force from 26 Feb 2026)