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$53,142
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,795
−HK$1,679/mo
Today · 4.125%
HK$56,474
baseline
▲ 0.50% · 4.625%
HK$59,910
+HK$3,436/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,948/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,120
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,705
−HK$1,609/mo
Today · 4.125%
HK$62,314
baseline
▲ 0.50% · 4.625%
HK$65,598
+HK$3,284/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,628/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,770
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,754
−HK$2,015/mo
Today · 4.125%
HK$67,769
baseline
▲ 0.50% · 4.625%
HK$71,893
+HK$4,124/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,538/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,944
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,846
−HK$1,930/mo
Today · 4.125%
HK$74,776
baseline
▲ 0.50% · 4.625%
HK$78,718
+HK$3,942/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,552/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,398
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,713
−HK$2,351/mo
Today · 4.125%
HK$79,064
baseline
▲ 0.50% · 4.625%
HK$83,875
+HK$4,811/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,128/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,767
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,987
−HK$2,252/mo
Today · 4.125%
HK$87,239
baseline
▲ 0.50% · 4.625%
HK$91,838
+HK$4,599/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,478/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,655
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$98,630
−HK$3,023/mo
Today · 4.125%
HK$101,653
baseline
▲ 0.50% · 4.625%
HK$107,839
+HK$6,186/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,306/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,415
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,269
−HK$2,896/mo
Today · 4.125%
HK$112,165
baseline
▲ 0.50% · 4.625%
HK$118,077
+HK$5,912/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,330/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,469 · Scale 2, in force from 26 Feb 2026)