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$53,301
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,959
−HK$1,685/mo
Today · 4.125%
HK$56,644
baseline
▲ 0.50% · 4.625%
HK$60,090
+HK$3,446/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,288/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,297
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,888
−HK$1,613/mo
Today · 4.125%
HK$62,501
baseline
▲ 0.50% · 4.625%
HK$65,795
+HK$3,294/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,002/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,962
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,951
−HK$2,022/mo
Today · 4.125%
HK$67,973
baseline
▲ 0.50% · 4.625%
HK$72,109
+HK$4,136/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$135,946/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,157
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,065
−HK$1,936/mo
Today · 4.125%
HK$75,001
baseline
▲ 0.50% · 4.625%
HK$78,954
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,002/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,622
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,943
−HK$2,358/mo
Today · 4.125%
HK$79,301
baseline
▲ 0.50% · 4.625%
HK$84,127
+HK$4,826/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,602/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,016
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,243
−HK$2,258/mo
Today · 4.125%
HK$87,501
baseline
▲ 0.50% · 4.625%
HK$92,114
+HK$4,613/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$175,002/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,942
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$98,927
−HK$3,032/mo
Today · 4.125%
HK$101,959
baseline
▲ 0.50% · 4.625%
HK$108,163
+HK$6,204/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,918/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,735
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,598
−HK$2,904/mo
Today · 4.125%
HK$112,502
baseline
▲ 0.50% · 4.625%
HK$118,432
+HK$5,930/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$225,004/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,445 · Scale 2, in force from 26 Feb 2026)