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$53,648
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,316
−HK$1,696/mo
Today · 4.125%
HK$57,012
baseline
▲ 0.50% · 4.625%
HK$60,481
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,024/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,682
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,283
−HK$1,624/mo
Today · 4.125%
HK$62,907
baseline
▲ 0.50% · 4.625%
HK$66,223
+HK$3,316/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,814/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,377
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,380
−HK$2,034/mo
Today · 4.125%
HK$68,414
baseline
▲ 0.50% · 4.625%
HK$72,577
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,828/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,619
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,540
−HK$1,948/mo
Today · 4.125%
HK$75,488
baseline
▲ 0.50% · 4.625%
HK$79,467
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$150,976/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,107
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,443
−HK$2,374/mo
Today · 4.125%
HK$79,817
baseline
▲ 0.50% · 4.625%
HK$84,673
+HK$4,856/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,634/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,555
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,796
−HK$2,274/mo
Today · 4.125%
HK$88,070
baseline
▲ 0.50% · 4.625%
HK$92,712
+HK$4,642/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,140/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,566
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,569
−HK$3,052/mo
Today · 4.125%
HK$102,621
baseline
▲ 0.50% · 4.625%
HK$108,866
+HK$6,245/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,242/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,428
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,310
−HK$2,922/mo
Today · 4.125%
HK$113,232
baseline
▲ 0.50% · 4.625%
HK$119,201
+HK$5,969/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,464/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,899 · Scale 2, in force from 26 Feb 2026)