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$53,136
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,789
−HK$1,680/mo
Today · 4.125%
HK$56,469
baseline
▲ 0.50% · 4.625%
HK$59,904
+HK$3,435/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,938/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,114
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,699
−HK$1,608/mo
Today · 4.125%
HK$62,307
baseline
▲ 0.50% · 4.625%
HK$65,592
+HK$3,285/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,614/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,764
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,747
−HK$2,015/mo
Today · 4.125%
HK$67,762
baseline
▲ 0.50% · 4.625%
HK$71,885
+HK$4,123/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,524/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,936
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,839
−HK$1,930/mo
Today · 4.125%
HK$74,769
baseline
▲ 0.50% · 4.625%
HK$78,710
+HK$3,941/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,538/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,391
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,705
−HK$2,351/mo
Today · 4.125%
HK$79,056
baseline
▲ 0.50% · 4.625%
HK$83,866
+HK$4,810/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,112/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,759
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,979
−HK$2,251/mo
Today · 4.125%
HK$87,230
baseline
▲ 0.50% · 4.625%
HK$91,828
+HK$4,598/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,460/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,646
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,621
−HK$3,022/mo
Today · 4.125%
HK$101,643
baseline
▲ 0.50% · 4.625%
HK$107,828
+HK$6,185/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,286/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,405
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,258
−HK$2,895/mo
Today · 4.125%
HK$112,153
baseline
▲ 0.50% · 4.625%
HK$118,065
+HK$5,912/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,306/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,370 · Scale 2, in force from 26 Feb 2026)