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$53,154
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,807
−HK$1,680/mo
Today · 4.125%
HK$56,487
baseline
▲ 0.50% · 4.625%
HK$59,924
+HK$3,437/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$112,974/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,133
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,719
−HK$1,609/mo
Today · 4.125%
HK$62,328
baseline
▲ 0.50% · 4.625%
HK$65,613
+HK$3,285/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,656/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,785
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,769
−HK$2,015/mo
Today · 4.125%
HK$67,784
baseline
▲ 0.50% · 4.625%
HK$71,909
+HK$4,125/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$135,568/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,960
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,863
−HK$1,930/mo
Today · 4.125%
HK$74,793
baseline
▲ 0.50% · 4.625%
HK$78,736
+HK$3,943/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$149,586/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,415
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,730
−HK$2,352/mo
Today · 4.125%
HK$79,082
baseline
▲ 0.50% · 4.625%
HK$83,894
+HK$4,812/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$158,164/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,786
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,007
−HK$2,252/mo
Today · 4.125%
HK$87,259
baseline
▲ 0.50% · 4.625%
HK$91,858
+HK$4,599/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$174,518/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,677
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,653
−HK$3,024/mo
Today · 4.125%
HK$101,677
baseline
▲ 0.50% · 4.625%
HK$107,863
+HK$6,186/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$203,354/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,439
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,294
−HK$2,896/mo
Today · 4.125%
HK$112,190
baseline
▲ 0.50% · 4.625%
HK$118,104
+HK$5,914/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$224,380/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,694 · Scale 2, in force from 26 Feb 2026)