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$53,364
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,024
−HK$1,687/mo
Today · 4.125%
HK$56,711
baseline
▲ 0.50% · 4.625%
HK$60,161
+HK$3,450/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,422/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,367
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,959
−HK$1,616/mo
Today · 4.125%
HK$62,575
baseline
▲ 0.50% · 4.625%
HK$65,873
+HK$3,298/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,150/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,037
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,029
−HK$2,024/mo
Today · 4.125%
HK$68,053
baseline
▲ 0.50% · 4.625%
HK$72,194
+HK$4,141/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,106/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,241
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,151
−HK$1,939/mo
Today · 4.125%
HK$75,090
baseline
▲ 0.50% · 4.625%
HK$79,048
+HK$3,958/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,180/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,710
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,034
−HK$2,361/mo
Today · 4.125%
HK$79,395
baseline
▲ 0.50% · 4.625%
HK$84,226
+HK$4,831/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,790/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,114
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,343
−HK$2,261/mo
Today · 4.125%
HK$87,604
baseline
▲ 0.50% · 4.625%
HK$92,222
+HK$4,618/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,208/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,056
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,043
−HK$3,036/mo
Today · 4.125%
HK$102,079
baseline
▲ 0.50% · 4.625%
HK$108,290
+HK$6,211/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,158/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,861
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,727
−HK$2,907/mo
Today · 4.125%
HK$112,634
baseline
▲ 0.50% · 4.625%
HK$118,571
+HK$5,937/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,268/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,617 · Scale 2, in force from 26 Feb 2026)