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$53,151
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,804
−HK$1,680/mo
Today · 4.125%
HK$56,484
baseline
▲ 0.50% · 4.625%
HK$59,920
+HK$3,436/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,968/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,129
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,715
−HK$1,609/mo
Today · 4.125%
HK$62,324
baseline
▲ 0.50% · 4.625%
HK$65,609
+HK$3,285/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,648/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,781
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,765
−HK$2,015/mo
Today · 4.125%
HK$67,780
baseline
▲ 0.50% · 4.625%
HK$71,905
+HK$4,125/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$135,560/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,955
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,858
−HK$1,931/mo
Today · 4.125%
HK$74,789
baseline
▲ 0.50% · 4.625%
HK$78,731
+HK$3,942/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$149,578/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,411
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,725
−HK$2,352/mo
Today · 4.125%
HK$79,077
baseline
▲ 0.50% · 4.625%
HK$83,889
+HK$4,812/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$158,154/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,781
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,001
−HK$2,253/mo
Today · 4.125%
HK$87,254
baseline
▲ 0.50% · 4.625%
HK$91,853
+HK$4,599/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$174,508/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,671
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,647
−HK$3,023/mo
Today · 4.125%
HK$101,670
baseline
▲ 0.50% · 4.625%
HK$107,857
+HK$6,187/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$203,340/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,433
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,287
−HK$2,896/mo
Today · 4.125%
HK$112,183
baseline
▲ 0.50% · 4.625%
HK$118,097
+HK$5,914/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$224,366/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,634 · Scale 2, in force from 26 Feb 2026)