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$53,380
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,040
−HK$1,687/mo
Today · 4.125%
HK$56,727
baseline
▲ 0.50% · 4.625%
HK$60,179
+HK$3,452/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,454/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,384
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,977
−HK$1,616/mo
Today · 4.125%
HK$62,593
baseline
▲ 0.50% · 4.625%
HK$65,892
+HK$3,299/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,186/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,056
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,048
−HK$2,024/mo
Today · 4.125%
HK$68,072
baseline
▲ 0.50% · 4.625%
HK$72,214
+HK$4,142/mo
Deposit HK$9.36M · loan HK$14.05M · min. income ≈ HK$136,144/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,261
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,172
−HK$1,939/mo
Today · 4.125%
HK$75,111
baseline
▲ 0.50% · 4.625%
HK$79,070
+HK$3,959/mo
Deposit HK$9.36M · loan HK$14.05M · min. income ≈ HK$150,222/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,731
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,056
−HK$2,362/mo
Today · 4.125%
HK$79,418
baseline
▲ 0.50% · 4.625%
HK$84,250
+HK$4,832/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$158,836/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,138
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,368
−HK$2,262/mo
Today · 4.125%
HK$87,630
baseline
▲ 0.50% · 4.625%
HK$92,249
+HK$4,619/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$175,260/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,083
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,072
−HK$3,037/mo
Today · 4.125%
HK$102,109
baseline
▲ 0.50% · 4.625%
HK$108,322
+HK$6,213/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,218/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,892
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,758
−HK$2,909/mo
Today · 4.125%
HK$112,667
baseline
▲ 0.50% · 4.625%
HK$118,606
+HK$5,939/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,334/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,903 · Scale 2, in force from 26 Feb 2026)