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$53,339
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,999
−HK$1,685/mo
Today · 4.125%
HK$56,684
baseline
▲ 0.50% · 4.625%
HK$60,133
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,368/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,340
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,931
−HK$1,615/mo
Today · 4.125%
HK$62,546
baseline
▲ 0.50% · 4.625%
HK$65,842
+HK$3,296/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,092/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,007
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,998
−HK$2,023/mo
Today · 4.125%
HK$68,021
baseline
▲ 0.50% · 4.625%
HK$72,160
+HK$4,139/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,042/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,208
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,117
−HK$1,938/mo
Today · 4.125%
HK$75,055
baseline
▲ 0.50% · 4.625%
HK$79,011
+HK$3,956/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,110/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,675
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,998
−HK$2,360/mo
Today · 4.125%
HK$79,358
baseline
▲ 0.50% · 4.625%
HK$84,187
+HK$4,829/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,716/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,075
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,303
−HK$2,261/mo
Today · 4.125%
HK$87,564
baseline
▲ 0.50% · 4.625%
HK$92,179
+HK$4,615/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,128/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,011
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$98,998
−HK$3,034/mo
Today · 4.125%
HK$102,032
baseline
▲ 0.50% · 4.625%
HK$108,240
+HK$6,208/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,064/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,811
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,676
−HK$2,906/mo
Today · 4.125%
HK$112,582
baseline
▲ 0.50% · 4.625%
HK$118,516
+HK$5,934/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,164/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,155 · Scale 2, in force from 26 Feb 2026)