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$53,166
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,820
−HK$1,680/mo
Today · 4.125%
HK$56,500
baseline
▲ 0.50% · 4.625%
HK$59,938
+HK$3,438/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,000/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,147
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,733
−HK$1,610/mo
Today · 4.125%
HK$62,343
baseline
▲ 0.50% · 4.625%
HK$65,629
+HK$3,286/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,686/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,800
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,784
−HK$2,017/mo
Today · 4.125%
HK$67,801
baseline
▲ 0.50% · 4.625%
HK$71,926
+HK$4,125/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$135,602/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,977
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,880
−HK$1,931/mo
Today · 4.125%
HK$74,811
baseline
▲ 0.50% · 4.625%
HK$78,755
+HK$3,944/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$149,622/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,433
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,748
−HK$2,353/mo
Today · 4.125%
HK$79,101
baseline
▲ 0.50% · 4.625%
HK$83,914
+HK$4,813/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$158,202/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$990,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,806
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,027
−HK$2,253/mo
Today · 4.125%
HK$87,280
baseline
▲ 0.50% · 4.625%
HK$91,880
+HK$4,600/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$174,560/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$990,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,700
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$98,676
−HK$3,025/mo
Today · 4.125%
HK$101,701
baseline
▲ 0.50% · 4.625%
HK$107,889
+HK$6,188/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$203,402/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,465
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$109,320
−HK$2,897/mo
Today · 4.125%
HK$112,217
baseline
▲ 0.50% · 4.625%
HK$118,132
+HK$5,915/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$224,434/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,931 · Scale 2, in force from 26 Feb 2026)