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$53,352
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,012
−HK$1,686/mo
Today · 4.125%
HK$56,698
baseline
▲ 0.50% · 4.625%
HK$60,148
+HK$3,450/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,396/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,354
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,946
−HK$1,615/mo
Today · 4.125%
HK$62,561
baseline
▲ 0.50% · 4.625%
HK$65,858
+HK$3,297/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,122/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,023
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,014
−HK$2,024/mo
Today · 4.125%
HK$68,038
baseline
▲ 0.50% · 4.625%
HK$72,177
+HK$4,139/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,076/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,225
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,135
−HK$1,938/mo
Today · 4.125%
HK$75,073
baseline
▲ 0.50% · 4.625%
HK$79,030
+HK$3,957/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,146/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,693
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,017
−HK$2,360/mo
Today · 4.125%
HK$79,377
baseline
▲ 0.50% · 4.625%
HK$84,207
+HK$4,830/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,754/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,095
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,324
−HK$2,261/mo
Today · 4.125%
HK$87,585
baseline
▲ 0.50% · 4.625%
HK$92,202
+HK$4,617/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,170/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,034
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,021
−HK$3,035/mo
Today · 4.125%
HK$102,056
baseline
▲ 0.50% · 4.625%
HK$108,266
+HK$6,210/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,112/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,837
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,702
−HK$2,907/mo
Today · 4.125%
HK$112,609
baseline
▲ 0.50% · 4.625%
HK$118,545
+HK$5,936/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,218/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,394 · Scale 2, in force from 26 Feb 2026)