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$53,140
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,793
−HK$1,679/mo
Today · 4.125%
HK$56,472
baseline
▲ 0.50% · 4.625%
HK$59,908
+HK$3,436/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,944/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,117
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,703
−HK$1,608/mo
Today · 4.125%
HK$62,311
baseline
▲ 0.50% · 4.625%
HK$65,596
+HK$3,285/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,622/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,768
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,751
−HK$2,015/mo
Today · 4.125%
HK$67,766
baseline
▲ 0.50% · 4.625%
HK$71,890
+HK$4,124/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,532/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,941
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,843
−HK$1,931/mo
Today · 4.125%
HK$74,774
baseline
▲ 0.50% · 4.625%
HK$78,715
+HK$3,941/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,548/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,396
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,710
−HK$2,351/mo
Today · 4.125%
HK$79,061
baseline
▲ 0.50% · 4.625%
HK$83,872
+HK$4,811/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,122/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,764
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,984
−HK$2,252/mo
Today · 4.125%
HK$87,236
baseline
▲ 0.50% · 4.625%
HK$91,834
+HK$4,598/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,472/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,651
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,627
−HK$3,023/mo
Today · 4.125%
HK$101,650
baseline
▲ 0.50% · 4.625%
HK$107,835
+HK$6,185/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,300/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,411
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$109,265
−HK$2,895/mo
Today · 4.125%
HK$112,160
baseline
▲ 0.50% · 4.625%
HK$118,073
+HK$5,913/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,320/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,432 · Scale 2, in force from 26 Feb 2026)