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$53,180
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,834
−HK$1,680/mo
Today · 4.125%
HK$56,514
baseline
▲ 0.50% · 4.625%
HK$59,953
+HK$3,439/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,028/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,162
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,748
−HK$1,610/mo
Today · 4.125%
HK$62,358
baseline
▲ 0.50% · 4.625%
HK$65,645
+HK$3,287/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,716/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,816
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,801
−HK$2,016/mo
Today · 4.125%
HK$67,817
baseline
▲ 0.50% · 4.625%
HK$71,944
+HK$4,127/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$135,634/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,994
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,898
−HK$1,932/mo
Today · 4.125%
HK$74,830
baseline
▲ 0.50% · 4.625%
HK$78,774
+HK$3,944/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$149,660/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,451
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,767
−HK$2,353/mo
Today · 4.125%
HK$79,120
baseline
▲ 0.50% · 4.625%
HK$83,934
+HK$4,814/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,240/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,826
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,048
−HK$2,253/mo
Today · 4.125%
HK$87,301
baseline
▲ 0.50% · 4.625%
HK$91,903
+HK$4,602/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,602/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,723
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,701
−HK$3,025/mo
Today · 4.125%
HK$101,726
baseline
▲ 0.50% · 4.625%
HK$107,916
+HK$6,190/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,452/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,491
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,347
−HK$2,898/mo
Today · 4.125%
HK$112,245
baseline
▲ 0.50% · 4.625%
HK$118,161
+HK$5,916/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,490/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,175 · Scale 2, in force from 26 Feb 2026)