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$53,361
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,021
−HK$1,686/mo
Today · 4.125%
HK$56,707
baseline
▲ 0.50% · 4.625%
HK$60,158
+HK$3,451/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,414/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,364
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,956
−HK$1,615/mo
Today · 4.125%
HK$62,571
baseline
▲ 0.50% · 4.625%
HK$65,869
+HK$3,298/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,142/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,033
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,025
−HK$2,024/mo
Today · 4.125%
HK$68,049
baseline
▲ 0.50% · 4.625%
HK$72,189
+HK$4,140/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,098/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,237
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,147
−HK$1,938/mo
Today · 4.125%
HK$75,085
baseline
▲ 0.50% · 4.625%
HK$79,043
+HK$3,958/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,170/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,706
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,029
−HK$2,361/mo
Today · 4.125%
HK$79,390
baseline
▲ 0.50% · 4.625%
HK$84,221
+HK$4,831/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,780/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,109
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,338
−HK$2,261/mo
Today · 4.125%
HK$87,599
baseline
▲ 0.50% · 4.625%
HK$92,217
+HK$4,618/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,198/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,050
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,038
−HK$3,035/mo
Today · 4.125%
HK$102,073
baseline
▲ 0.50% · 4.625%
HK$108,284
+HK$6,211/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,146/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,855
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,721
−HK$2,907/mo
Today · 4.125%
HK$112,628
baseline
▲ 0.50% · 4.625%
HK$118,565
+HK$5,937/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,256/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,559 · Scale 2, in force from 26 Feb 2026)