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$3,345/mo
▼ 0.25% · 3.875%
HK$54,996
−HK$1,686/mo
Today · 4.125%
HK$56,682
baseline
▲ 0.50% · 4.625%
HK$60,131
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,364/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,337
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,928
−HK$1,615/mo
Today · 4.125%
HK$62,543
baseline
▲ 0.50% · 4.625%
HK$65,839
+HK$3,296/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,086/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,004
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,995
−HK$2,023/mo
Today · 4.125%
HK$68,018
baseline
▲ 0.50% · 4.625%
HK$72,157
+HK$4,139/mo
Deposit HK$9.36M · loan HK$14.03M · min. income ≈ HK$136,036/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,204
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,114
−HK$1,937/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$994,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,672
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,994
−HK$2,360/mo
Today · 4.125%
HK$79,354
baseline
▲ 0.50% · 4.625%
HK$84,183
+HK$4,829/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$994,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,072
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,300
−HK$2,260/mo
Today · 4.125%
HK$87,560
baseline
▲ 0.50% · 4.625%
HK$92,175
+HK$4,615/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,120/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,007
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,993
−HK$3,034/mo
Today · 4.125%
HK$102,027
baseline
▲ 0.50% · 4.625%
HK$108,235
+HK$6,208/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,054/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,806
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,671
−HK$2,906/mo
Today · 4.125%
HK$112,577
baseline
▲ 0.50% · 4.625%
HK$118,511
+HK$5,934/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,154/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,109 · Scale 2, in force from 26 Feb 2026)