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$53,185
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,840
−HK$1,681/mo
Today · 4.125%
HK$56,521
baseline
▲ 0.50% · 4.625%
HK$59,960
+HK$3,439/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,042/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,168
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,755
−HK$1,610/mo
Today · 4.125%
HK$62,365
baseline
▲ 0.50% · 4.625%
HK$65,652
+HK$3,287/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,730/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,823
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,808
−HK$2,017/mo
Today · 4.125%
HK$67,825
baseline
▲ 0.50% · 4.625%
HK$71,952
+HK$4,127/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$135,650/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,002
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,906
−HK$1,932/mo
Today · 4.125%
HK$74,838
baseline
▲ 0.50% · 4.625%
HK$78,783
+HK$3,945/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$149,676/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,460
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,776
−HK$2,353/mo
Today · 4.125%
HK$79,129
baseline
▲ 0.50% · 4.625%
HK$83,944
+HK$4,815/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,258/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,836
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,057
−HK$2,254/mo
Today · 4.125%
HK$87,311
baseline
▲ 0.50% · 4.625%
HK$91,913
+HK$4,602/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,622/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,734
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,712
−HK$3,025/mo
Today · 4.125%
HK$101,737
baseline
▲ 0.50% · 4.625%
HK$107,928
+HK$6,191/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,474/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,503
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,359
−HK$2,898/mo
Today · 4.125%
HK$112,257
baseline
▲ 0.50% · 4.625%
HK$118,174
+HK$5,917/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,514/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,284 · Scale 2, in force from 26 Feb 2026)