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$53,381
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,041
−HK$1,687/mo
Today · 4.125%
HK$56,728
baseline
▲ 0.50% · 4.625%
HK$60,180
+HK$3,452/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,456/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,386
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,978
−HK$1,616/mo
Today · 4.125%
HK$62,594
baseline
▲ 0.50% · 4.625%
HK$65,893
+HK$3,299/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,188/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,057
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,049
−HK$2,025/mo
Today · 4.125%
HK$68,074
baseline
▲ 0.50% · 4.625%
HK$72,216
+HK$4,142/mo
Deposit HK$9.36M · loan HK$14.05M · min. income ≈ HK$136,148/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,263
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,174
−HK$1,939/mo
Today · 4.125%
HK$75,113
baseline
▲ 0.50% · 4.625%
HK$79,072
+HK$3,959/mo
Deposit HK$9.36M · loan HK$14.05M · min. income ≈ HK$150,226/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,733
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,058
−HK$2,362/mo
Today · 4.125%
HK$79,420
baseline
▲ 0.50% · 4.625%
HK$84,252
+HK$4,832/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$158,840/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,140
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,370
−HK$2,262/mo
Today · 4.125%
HK$87,632
baseline
▲ 0.50% · 4.625%
HK$92,251
+HK$4,619/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$175,264/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,085
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,074
−HK$3,037/mo
Today · 4.125%
HK$102,111
baseline
▲ 0.50% · 4.625%
HK$108,324
+HK$6,213/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,222/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,894
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,761
−HK$2,908/mo
Today · 4.125%
HK$112,669
baseline
▲ 0.50% · 4.625%
HK$118,608
+HK$5,939/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,338/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,925 · Scale 2, in force from 26 Feb 2026)