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$53,339
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,998
−HK$1,686/mo
Today · 4.125%
HK$56,684
baseline
▲ 0.50% · 4.625%
HK$60,133
+HK$3,449/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,368/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,339
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,931
−HK$1,614/mo
Today · 4.125%
HK$62,545
baseline
▲ 0.50% · 4.625%
HK$65,842
+HK$3,297/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,090/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,007
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,998
−HK$2,023/mo
Today · 4.125%
HK$68,021
baseline
▲ 0.50% · 4.625%
HK$72,160
+HK$4,139/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,042/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,207
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,117
−HK$1,937/mo
Today · 4.125%
HK$75,054
baseline
▲ 0.50% · 4.625%
HK$79,010
+HK$3,956/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,108/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,675
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,997
−HK$2,360/mo
Today · 4.125%
HK$79,357
baseline
▲ 0.50% · 4.625%
HK$84,186
+HK$4,829/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,714/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,075
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,303
−HK$2,260/mo
Today · 4.125%
HK$87,563
baseline
▲ 0.50% · 4.625%
HK$92,179
+HK$4,616/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,126/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,010
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$98,997
−HK$3,034/mo
Today · 4.125%
HK$102,031
baseline
▲ 0.50% · 4.625%
HK$108,239
+HK$6,208/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,062/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,810
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,675
−HK$2,906/mo
Today · 4.125%
HK$112,581
baseline
▲ 0.50% · 4.625%
HK$118,515
+HK$5,934/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,162/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,147 · Scale 2, in force from 26 Feb 2026)