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$53,371
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,031
−HK$1,687/mo
Today · 4.125%
HK$56,718
baseline
▲ 0.50% · 4.625%
HK$60,169
+HK$3,451/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,436/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,374
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,967
−HK$1,615/mo
Today · 4.125%
HK$62,582
baseline
▲ 0.50% · 4.625%
HK$65,881
+HK$3,299/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,164/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,045
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,037
−HK$2,024/mo
Today · 4.125%
HK$68,061
baseline
▲ 0.50% · 4.625%
HK$72,203
+HK$4,142/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,122/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,249
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,160
−HK$1,939/mo
Today · 4.125%
HK$75,099
baseline
▲ 0.50% · 4.625%
HK$79,057
+HK$3,958/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,198/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,719
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,043
−HK$2,362/mo
Today · 4.125%
HK$79,405
baseline
▲ 0.50% · 4.625%
HK$84,236
+HK$4,831/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,810/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,124
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,354
−HK$2,261/mo
Today · 4.125%
HK$87,615
baseline
▲ 0.50% · 4.625%
HK$92,234
+HK$4,619/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,230/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,067
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,056
−HK$3,036/mo
Today · 4.125%
HK$102,092
baseline
▲ 0.50% · 4.625%
HK$108,304
+HK$6,212/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,184/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,874
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,740
−HK$2,908/mo
Today · 4.125%
HK$112,648
baseline
▲ 0.50% · 4.625%
HK$118,586
+HK$5,938/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,296/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,739 · Scale 2, in force from 26 Feb 2026)