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$53,337
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,996
−HK$1,685/mo
Today · 4.125%
HK$56,681
baseline
▲ 0.50% · 4.625%
HK$60,130
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,362/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,336
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,928
−HK$1,614/mo
Today · 4.125%
HK$62,542
baseline
▲ 0.50% · 4.625%
HK$65,839
+HK$3,297/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,084/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,004
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,995
−HK$2,022/mo
Today · 4.125%
HK$68,017
baseline
▲ 0.50% · 4.625%
HK$72,156
+HK$4,139/mo
Deposit HK$9.36M · loan HK$14.03M · min. income ≈ HK$136,034/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,204
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,113
−HK$1,938/mo
Today · 4.125%
HK$75,051
baseline
▲ 0.50% · 4.625%
HK$79,007
+HK$3,956/mo
Deposit HK$9.36M · loan HK$14.03M · min. income ≈ HK$150,102/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,671
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,994
−HK$2,360/mo
Today · 4.125%
HK$79,354
baseline
▲ 0.50% · 4.625%
HK$84,182
+HK$4,828/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,708/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,071
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,299
−HK$2,260/mo
Today · 4.125%
HK$87,559
baseline
▲ 0.50% · 4.625%
HK$92,174
+HK$4,615/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,118/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,006
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,992
−HK$3,034/mo
Today · 4.125%
HK$102,026
baseline
▲ 0.50% · 4.625%
HK$108,234
+HK$6,208/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,052/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,805
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,670
−HK$2,906/mo
Today · 4.125%
HK$112,576
baseline
▲ 0.50% · 4.625%
HK$118,510
+HK$5,934/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,152/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,100 · Scale 2, in force from 26 Feb 2026)