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$53,132
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,785
−HK$1,679/mo
Today · 4.125%
HK$56,464
baseline
▲ 0.50% · 4.625%
HK$59,899
+HK$3,435/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,928/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,109
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,694
−HK$1,608/mo
Today · 4.125%
HK$62,302
baseline
▲ 0.50% · 4.625%
HK$65,586
+HK$3,284/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,604/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,758
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,741
−HK$2,015/mo
Today · 4.125%
HK$67,756
baseline
▲ 0.50% · 4.625%
HK$71,879
+HK$4,123/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,512/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,930
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,833
−HK$1,929/mo
Today · 4.125%
HK$74,762
baseline
▲ 0.50% · 4.625%
HK$78,703
+HK$3,941/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,524/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,385
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,698
−HK$2,351/mo
Today · 4.125%
HK$79,049
baseline
▲ 0.50% · 4.625%
HK$83,859
+HK$4,810/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,098/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,752
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,971
−HK$2,252/mo
Today · 4.125%
HK$87,223
baseline
▲ 0.50% · 4.625%
HK$91,821
+HK$4,598/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,446/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,637
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$98,612
−HK$3,023/mo
Today · 4.125%
HK$101,635
baseline
▲ 0.50% · 4.625%
HK$107,819
+HK$6,184/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,270/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,396
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,249
−HK$2,895/mo
Today · 4.125%
HK$112,144
baseline
▲ 0.50% · 4.625%
HK$118,055
+HK$5,911/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,288/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,285 · Scale 2, in force from 26 Feb 2026)