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$53,160
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,814
−HK$1,680/mo
Today · 4.125%
HK$56,494
baseline
▲ 0.50% · 4.625%
HK$59,931
+HK$3,437/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$112,988/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,140
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,726
−HK$1,609/mo
Today · 4.125%
HK$62,335
baseline
▲ 0.50% · 4.625%
HK$65,621
+HK$3,286/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,670/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,792
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,777
−HK$2,016/mo
Today · 4.125%
HK$67,793
baseline
▲ 0.50% · 4.625%
HK$71,918
+HK$4,125/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$135,586/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,968
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,872
−HK$1,930/mo
Today · 4.125%
HK$74,802
baseline
▲ 0.50% · 4.625%
HK$78,745
+HK$3,943/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$149,604/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,424
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,739
−HK$2,352/mo
Today · 4.125%
HK$79,091
baseline
▲ 0.50% · 4.625%
HK$83,904
+HK$4,813/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$158,182/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,796
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,017
−HK$2,252/mo
Today · 4.125%
HK$87,269
baseline
▲ 0.50% · 4.625%
HK$91,870
+HK$4,601/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$174,538/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,688
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$98,665
−HK$3,024/mo
Today · 4.125%
HK$101,689
baseline
▲ 0.50% · 4.625%
HK$107,876
+HK$6,187/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$203,378/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,452
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$109,307
−HK$2,897/mo
Today · 4.125%
HK$112,204
baseline
▲ 0.50% · 4.625%
HK$118,118
+HK$5,914/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$224,408/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,813 · Scale 2, in force from 26 Feb 2026)