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$53,119
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,771
−HK$1,679/mo
Today · 4.125%
HK$56,450
baseline
▲ 0.50% · 4.625%
HK$59,885
+HK$3,435/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,900/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,094
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,679
−HK$1,608/mo
Today · 4.125%
HK$62,287
baseline
▲ 0.50% · 4.625%
HK$65,570
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,574/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,743
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,726
−HK$2,014/mo
Today · 4.125%
HK$67,740
baseline
▲ 0.50% · 4.625%
HK$71,862
+HK$4,122/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,480/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,913
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,815
−HK$1,929/mo
Today · 4.125%
HK$74,744
baseline
▲ 0.50% · 4.625%
HK$78,684
+HK$3,940/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,488/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,367
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,680
−HK$2,350/mo
Today · 4.125%
HK$79,030
baseline
▲ 0.50% · 4.625%
HK$83,839
+HK$4,809/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,060/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,732
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,951
−HK$2,251/mo
Today · 4.125%
HK$87,202
baseline
▲ 0.50% · 4.625%
HK$91,798
+HK$4,596/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,404/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,614
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,588
−HK$3,022/mo
Today · 4.125%
HK$101,610
baseline
▲ 0.50% · 4.625%
HK$107,793
+HK$6,183/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,220/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,370
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,223
−HK$2,894/mo
Today · 4.125%
HK$112,117
baseline
▲ 0.50% · 4.625%
HK$118,027
+HK$5,910/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,234/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,047 · Scale 2, in force from 26 Feb 2026)