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$53,340
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,000
−HK$1,685/mo
Today · 4.125%
HK$56,685
baseline
▲ 0.50% · 4.625%
HK$60,135
+HK$3,450/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$113,370/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,341
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,932
−HK$1,615/mo
Today · 4.125%
HK$62,547
baseline
▲ 0.50% · 4.625%
HK$65,844
+HK$3,297/mo
Deposit HK$11.70M · loan HK$11.70M · min. income ≈ HK$125,094/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$994,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,009
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$66,000
−HK$2,022/mo
Today · 4.125%
HK$68,022
baseline
▲ 0.50% · 4.625%
HK$72,161
+HK$4,139/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$136,044/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,209
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,119
−HK$1,937/mo
Today · 4.125%
HK$75,056
baseline
▲ 0.50% · 4.625%
HK$79,012
+HK$3,956/mo
Deposit HK$9.36M · loan HK$14.04M · min. income ≈ HK$150,112/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$994,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,677
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,999
−HK$2,361/mo
Today · 4.125%
HK$79,360
baseline
▲ 0.50% · 4.625%
HK$84,188
+HK$4,828/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,720/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,077
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,305
−HK$2,260/mo
Today · 4.125%
HK$87,565
baseline
▲ 0.50% · 4.625%
HK$92,181
+HK$4,616/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,130/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$994,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,013
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$98,999
−HK$3,035/mo
Today · 4.125%
HK$102,034
baseline
▲ 0.50% · 4.625%
HK$108,242
+HK$6,208/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,068/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,813
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,678
−HK$2,906/mo
Today · 4.125%
HK$112,584
baseline
▲ 0.50% · 4.625%
HK$118,519
+HK$5,935/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,168/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$994,173 · Scale 2, in force from 26 Feb 2026)