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$53,139
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,792
−HK$1,679/mo
Today · 4.125%
HK$56,471
baseline
▲ 0.50% · 4.625%
HK$59,907
+HK$3,436/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,942/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,116
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,702
−HK$1,608/mo
Today · 4.125%
HK$62,310
baseline
▲ 0.50% · 4.625%
HK$65,595
+HK$3,285/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,620/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,767
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,750
−HK$2,015/mo
Today · 4.125%
HK$67,765
baseline
▲ 0.50% · 4.625%
HK$71,889
+HK$4,124/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,530/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,940
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,842
−HK$1,930/mo
Today · 4.125%
HK$74,772
baseline
▲ 0.50% · 4.625%
HK$78,714
+HK$3,942/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,544/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,394
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,708
−HK$2,351/mo
Today · 4.125%
HK$79,059
baseline
▲ 0.50% · 4.625%
HK$83,870
+HK$4,811/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,118/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,763
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,983
−HK$2,251/mo
Today · 4.125%
HK$87,234
baseline
▲ 0.50% · 4.625%
HK$91,833
+HK$4,599/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,468/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,650
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$98,625
−HK$3,023/mo
Today · 4.125%
HK$101,648
baseline
▲ 0.50% · 4.625%
HK$107,833
+HK$6,185/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,296/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,409
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$109,263
−HK$2,895/mo
Today · 4.125%
HK$112,158
baseline
▲ 0.50% · 4.625%
HK$118,070
+HK$5,912/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,316/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,415 · Scale 2, in force from 26 Feb 2026)