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$53,441
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,103
−HK$1,689/mo
Today · 4.125%
HK$56,792
baseline
▲ 0.50% · 4.625%
HK$60,247
+HK$3,455/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,584/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$996,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,452
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,047
−HK$1,617/mo
Today · 4.125%
HK$62,664
baseline
▲ 0.50% · 4.625%
HK$65,967
+HK$3,303/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,328/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$996,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,129
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,124
−HK$2,026/mo
Today · 4.125%
HK$68,150
baseline
▲ 0.50% · 4.625%
HK$72,297
+HK$4,147/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,300/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,343
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,256
−HK$1,941/mo
Today · 4.125%
HK$75,197
baseline
▲ 0.50% · 4.625%
HK$79,161
+HK$3,964/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,394/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,817
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,144
−HK$2,365/mo
Today · 4.125%
HK$79,509
baseline
▲ 0.50% · 4.625%
HK$84,346
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,018/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,233
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,465
−HK$2,265/mo
Today · 4.125%
HK$87,730
baseline
▲ 0.50% · 4.625%
HK$92,354
+HK$4,624/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,460/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,193
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,185
−HK$3,040/mo
Today · 4.125%
HK$102,225
baseline
▲ 0.50% · 4.625%
HK$108,445
+HK$6,220/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,450/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,014
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,884
−HK$2,912/mo
Today · 4.125%
HK$112,796
baseline
▲ 0.50% · 4.625%
HK$118,741
+HK$5,945/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,592/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,041 · Scale 2, in force from 26 Feb 2026)