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$53,334
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,993
−HK$1,686/mo
Today · 4.125%
HK$56,679
baseline
▲ 0.50% · 4.625%
HK$60,127
+HK$3,448/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,358/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,334
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,925
−HK$1,614/mo
Today · 4.125%
HK$62,539
baseline
▲ 0.50% · 4.625%
HK$65,836
+HK$3,297/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,078/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,001
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,992
−HK$2,022/mo
Today · 4.125%
HK$68,014
baseline
▲ 0.50% · 4.625%
HK$72,153
+HK$4,139/mo
Deposit HK$9.36M · loan HK$14.03M · min. income ≈ HK$136,028/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,200
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,110
−HK$1,937/mo
Today · 4.125%
HK$75,047
baseline
▲ 0.50% · 4.625%
HK$79,003
+HK$3,956/mo
Deposit HK$9.36M · loan HK$14.03M · min. income ≈ HK$150,094/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,668
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,990
−HK$2,360/mo
Today · 4.125%
HK$79,350
baseline
▲ 0.50% · 4.625%
HK$84,178
+HK$4,828/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,700/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,067
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,295
−HK$2,260/mo
Today · 4.125%
HK$87,555
baseline
▲ 0.50% · 4.625%
HK$92,170
+HK$4,615/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,110/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,001
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,988
−HK$3,033/mo
Today · 4.125%
HK$102,021
baseline
▲ 0.50% · 4.625%
HK$108,229
+HK$6,208/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,042/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,801
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,665
−HK$2,906/mo
Today · 4.125%
HK$112,571
baseline
▲ 0.50% · 4.625%
HK$118,504
+HK$5,933/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,142/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,055 · Scale 2, in force from 26 Feb 2026)