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$53,353
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,012
−HK$1,686/mo
Today · 4.125%
HK$56,698
baseline
▲ 0.50% · 4.625%
HK$60,148
+HK$3,450/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,396/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,354
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,946
−HK$1,615/mo
Today · 4.125%
HK$62,561
baseline
▲ 0.50% · 4.625%
HK$65,859
+HK$3,298/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,122/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,023
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,015
−HK$2,023/mo
Today · 4.125%
HK$68,038
baseline
▲ 0.50% · 4.625%
HK$72,178
+HK$4,140/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,076/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,225
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,136
−HK$1,937/mo
Today · 4.125%
HK$75,073
baseline
▲ 0.50% · 4.625%
HK$79,031
+HK$3,958/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,146/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,694
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,017
−HK$2,361/mo
Today · 4.125%
HK$79,378
baseline
▲ 0.50% · 4.625%
HK$84,208
+HK$4,830/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$158,756/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,096
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,325
−HK$2,261/mo
Today · 4.125%
HK$87,586
baseline
▲ 0.50% · 4.625%
HK$92,202
+HK$4,616/mo
Deposit HK$7.02M · loan HK$16.38M · min. income ≈ HK$175,172/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,035
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,022
−HK$3,035/mo
Today · 4.125%
HK$102,057
baseline
▲ 0.50% · 4.625%
HK$108,267
+HK$6,210/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$204,114/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,838
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,703
−HK$2,907/mo
Today · 4.125%
HK$112,610
baseline
▲ 0.50% · 4.625%
HK$118,546
+HK$5,936/mo
Deposit HK$2.34M · loan HK$21.06M · min. income ≈ HK$225,220/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,403 · Scale 2, in force from 26 Feb 2026)