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$53,152
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,806
−HK$1,679/mo
Today · 4.125%
HK$56,485
baseline
▲ 0.50% · 4.625%
HK$59,922
+HK$3,437/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,970/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,131
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,717
−HK$1,609/mo
Today · 4.125%
HK$62,326
baseline
▲ 0.50% · 4.625%
HK$65,611
+HK$3,285/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,652/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,783
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,767
−HK$2,015/mo
Today · 4.125%
HK$67,782
baseline
▲ 0.50% · 4.625%
HK$71,907
+HK$4,125/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$135,564/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,958
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,861
−HK$1,930/mo
Today · 4.125%
HK$74,791
baseline
▲ 0.50% · 4.625%
HK$78,734
+HK$3,943/mo
Deposit HK$9.32M · loan HK$13.99M · min. income ≈ HK$149,582/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,413
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,728
−HK$2,352/mo
Today · 4.125%
HK$79,080
baseline
▲ 0.50% · 4.625%
HK$83,891
+HK$4,811/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$158,160/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,784
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$85,004
−HK$2,252/mo
Today · 4.125%
HK$87,256
baseline
▲ 0.50% · 4.625%
HK$91,856
+HK$4,600/mo
Deposit HK$6.99M · loan HK$16.32M · min. income ≈ HK$174,512/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,674
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,650
−HK$3,024/mo
Today · 4.125%
HK$101,674
baseline
▲ 0.50% · 4.625%
HK$107,860
+HK$6,186/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$203,348/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,436
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,291
−HK$2,896/mo
Today · 4.125%
HK$112,187
baseline
▲ 0.50% · 4.625%
HK$118,100
+HK$5,913/mo
Deposit HK$2.33M · loan HK$20.98M · min. income ≈ HK$224,374/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,666 · Scale 2, in force from 26 Feb 2026)