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$53,138
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,791
−HK$1,679/mo
Today · 4.125%
HK$56,470
baseline
▲ 0.50% · 4.625%
HK$59,906
+HK$3,436/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,940/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,115
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,701
−HK$1,608/mo
Today · 4.125%
HK$62,309
baseline
▲ 0.50% · 4.625%
HK$65,594
+HK$3,285/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,618/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,765
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,749
−HK$2,015/mo
Today · 4.125%
HK$67,764
baseline
▲ 0.50% · 4.625%
HK$71,887
+HK$4,123/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,528/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,938
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,841
−HK$1,930/mo
Today · 4.125%
HK$74,771
baseline
▲ 0.50% · 4.625%
HK$78,712
+HK$3,941/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,542/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,393
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,707
−HK$2,351/mo
Today · 4.125%
HK$79,058
baseline
▲ 0.50% · 4.625%
HK$83,869
+HK$4,811/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,116/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,761
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,981
−HK$2,252/mo
Today · 4.125%
HK$87,233
baseline
▲ 0.50% · 4.625%
HK$91,831
+HK$4,598/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,466/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,648
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$98,623
−HK$3,023/mo
Today · 4.125%
HK$101,646
baseline
▲ 0.50% · 4.625%
HK$107,831
+HK$6,185/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,292/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,408
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,261
−HK$2,895/mo
Today · 4.125%
HK$112,156
baseline
▲ 0.50% · 4.625%
HK$118,068
+HK$5,912/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,312/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,397 · Scale 2, in force from 26 Feb 2026)