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$53,183
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,837
−HK$1,681/mo
Today · 4.125%
HK$56,518
baseline
▲ 0.50% · 4.625%
HK$59,957
+HK$3,439/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,036/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,165
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,752
−HK$1,610/mo
Today · 4.125%
HK$62,362
baseline
▲ 0.50% · 4.625%
HK$65,649
+HK$3,287/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,724/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,819
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,804
−HK$2,017/mo
Today · 4.125%
HK$67,821
baseline
▲ 0.50% · 4.625%
HK$71,948
+HK$4,127/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$135,642/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,998
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,902
−HK$1,932/mo
Today · 4.125%
HK$74,834
baseline
▲ 0.50% · 4.625%
HK$78,779
+HK$3,945/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$149,668/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,456
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,772
−HK$2,353/mo
Today · 4.125%
HK$79,125
baseline
▲ 0.50% · 4.625%
HK$83,939
+HK$4,814/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,250/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,831
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,053
−HK$2,253/mo
Today · 4.125%
HK$87,306
baseline
▲ 0.50% · 4.625%
HK$91,908
+HK$4,602/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,612/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,729
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,706
−HK$3,026/mo
Today · 4.125%
HK$101,732
baseline
▲ 0.50% · 4.625%
HK$107,922
+HK$6,190/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,464/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,497
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,353
−HK$2,898/mo
Today · 4.125%
HK$112,251
baseline
▲ 0.50% · 4.625%
HK$118,168
+HK$5,917/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,502/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,231 · Scale 2, in force from 26 Feb 2026)