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$53,385
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,046
−HK$1,687/mo
Today · 4.125%
HK$56,733
baseline
▲ 0.50% · 4.625%
HK$60,185
+HK$3,452/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,466/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,390
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,983
−HK$1,616/mo
Today · 4.125%
HK$62,599
baseline
▲ 0.50% · 4.625%
HK$65,899
+HK$3,300/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,198/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,062
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,055
−HK$2,024/mo
Today · 4.125%
HK$68,079
baseline
▲ 0.50% · 4.625%
HK$72,222
+HK$4,143/mo
Deposit HK$9.36M · loan HK$14.05M · min. income ≈ HK$136,158/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,269
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,180
−HK$1,939/mo
Today · 4.125%
HK$75,119
baseline
▲ 0.50% · 4.625%
HK$79,079
+HK$3,960/mo
Deposit HK$9.36M · loan HK$14.05M · min. income ≈ HK$150,238/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,739
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,064
−HK$2,362/mo
Today · 4.125%
HK$79,426
baseline
▲ 0.50% · 4.625%
HK$84,259
+HK$4,833/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$158,852/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,147
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,377
−HK$2,262/mo
Today · 4.125%
HK$87,639
baseline
▲ 0.50% · 4.625%
HK$92,258
+HK$4,619/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$175,278/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,093
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,082
−HK$3,037/mo
Today · 4.125%
HK$102,119
baseline
▲ 0.50% · 4.625%
HK$108,333
+HK$6,214/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,238/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,903
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,770
−HK$2,909/mo
Today · 4.125%
HK$112,679
baseline
▲ 0.50% · 4.625%
HK$118,618
+HK$5,939/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,358/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,007 · Scale 2, in force from 26 Feb 2026)