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$53,222
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,878
−HK$1,682/mo
Today · 4.125%
HK$56,560
baseline
▲ 0.50% · 4.625%
HK$60,001
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,120/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,209
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,797
−HK$1,611/mo
Today · 4.125%
HK$62,408
baseline
▲ 0.50% · 4.625%
HK$65,698
+HK$3,290/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,816/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,867
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,853
−HK$2,019/mo
Today · 4.125%
HK$67,872
baseline
▲ 0.50% · 4.625%
HK$72,001
+HK$4,129/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$135,744/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,051
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,957
−HK$1,933/mo
Today · 4.125%
HK$74,890
baseline
▲ 0.50% · 4.625%
HK$78,837
+HK$3,947/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$149,780/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,511
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,829
−HK$2,355/mo
Today · 4.125%
HK$79,184
baseline
▲ 0.50% · 4.625%
HK$84,002
+HK$4,818/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,368/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,893
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,116
−HK$2,255/mo
Today · 4.125%
HK$87,371
baseline
▲ 0.50% · 4.625%
HK$91,977
+HK$4,606/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,742/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,800
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,780
−HK$3,027/mo
Today · 4.125%
HK$101,807
baseline
▲ 0.50% · 4.625%
HK$108,002
+HK$6,195/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,614/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,576
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,435
−HK$2,899/mo
Today · 4.125%
HK$112,334
baseline
▲ 0.50% · 4.625%
HK$118,256
+HK$5,922/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,668/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,969 · Scale 2, in force from 26 Feb 2026)