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$53,344
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,003
−HK$1,686/mo
Today · 4.125%
HK$56,689
baseline
▲ 0.50% · 4.625%
HK$60,138
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,378/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,344
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,936
−HK$1,614/mo
Today · 4.125%
HK$62,550
baseline
▲ 0.50% · 4.625%
HK$65,848
+HK$3,298/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,100/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,012
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,004
−HK$2,022/mo
Today · 4.125%
HK$68,026
baseline
▲ 0.50% · 4.625%
HK$72,166
+HK$4,140/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,052/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,213
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,123
−HK$1,938/mo
Today · 4.125%
HK$75,061
baseline
▲ 0.50% · 4.625%
HK$79,017
+HK$3,956/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,122/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,681
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,004
−HK$2,360/mo
Today · 4.125%
HK$79,364
baseline
▲ 0.50% · 4.625%
HK$84,193
+HK$4,829/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,728/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,082
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,310
−HK$2,261/mo
Today · 4.125%
HK$87,571
baseline
▲ 0.50% · 4.625%
HK$92,187
+HK$4,616/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,142/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,019
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$99,005
−HK$3,035/mo
Today · 4.125%
HK$102,040
baseline
▲ 0.50% · 4.625%
HK$108,249
+HK$6,209/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,080/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,820
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,685
−HK$2,906/mo
Today · 4.125%
HK$112,591
baseline
▲ 0.50% · 4.625%
HK$118,526
+HK$5,935/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,182/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,233 · Scale 2, in force from 26 Feb 2026)