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$53,145
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,798
−HK$1,680/mo
Today · 4.125%
HK$56,478
baseline
▲ 0.50% · 4.625%
HK$59,915
+HK$3,437/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,956/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,124
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,709
−HK$1,609/mo
Today · 4.125%
HK$62,318
baseline
▲ 0.50% · 4.625%
HK$65,603
+HK$3,285/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,636/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,774
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,758
−HK$2,016/mo
Today · 4.125%
HK$67,774
baseline
▲ 0.50% · 4.625%
HK$71,897
+HK$4,123/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,548/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,948
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,851
−HK$1,930/mo
Today · 4.125%
HK$74,781
baseline
▲ 0.50% · 4.625%
HK$78,723
+HK$3,942/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,562/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,403
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,718
−HK$2,351/mo
Today · 4.125%
HK$79,069
baseline
▲ 0.50% · 4.625%
HK$83,880
+HK$4,811/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,138/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,773
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,993
−HK$2,252/mo
Today · 4.125%
HK$87,245
baseline
▲ 0.50% · 4.625%
HK$91,844
+HK$4,599/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,490/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,662
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$98,637
−HK$3,023/mo
Today · 4.125%
HK$101,660
baseline
▲ 0.50% · 4.625%
HK$107,846
+HK$6,186/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$203,320/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,423
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$109,277
−HK$2,895/mo
Today · 4.125%
HK$112,172
baseline
▲ 0.50% · 4.625%
HK$118,085
+HK$5,913/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$224,344/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,537 · Scale 2, in force from 26 Feb 2026)