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$53,155
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,808
−HK$1,680/mo
Today · 4.125%
HK$56,488
baseline
▲ 0.50% · 4.625%
HK$59,925
+HK$3,437/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$112,976/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,134
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,720
−HK$1,609/mo
Today · 4.125%
HK$62,329
baseline
▲ 0.50% · 4.625%
HK$65,614
+HK$3,285/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,658/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,785
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,770
−HK$2,015/mo
Today · 4.125%
HK$67,785
baseline
▲ 0.50% · 4.625%
HK$71,910
+HK$4,125/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$135,570/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,961
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,864
−HK$1,930/mo
Today · 4.125%
HK$74,794
baseline
▲ 0.50% · 4.625%
HK$78,737
+HK$3,943/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$149,588/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,416
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,731
−HK$2,352/mo
Today · 4.125%
HK$79,083
baseline
▲ 0.50% · 4.625%
HK$83,895
+HK$4,812/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$158,166/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,787
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,008
−HK$2,252/mo
Today · 4.125%
HK$87,260
baseline
▲ 0.50% · 4.625%
HK$91,860
+HK$4,600/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$174,520/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,678
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,654
−HK$3,024/mo
Today · 4.125%
HK$101,678
baseline
▲ 0.50% · 4.625%
HK$107,865
+HK$6,187/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$203,356/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,441
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,296
−HK$2,896/mo
Today · 4.125%
HK$112,192
baseline
▲ 0.50% · 4.625%
HK$118,105
+HK$5,913/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$224,384/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,708 · Scale 2, in force from 26 Feb 2026)