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$53,621
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,289
−HK$1,694/mo
Today · 4.125%
HK$56,983
baseline
▲ 0.50% · 4.625%
HK$60,450
+HK$3,467/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,966/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,652
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,252
−HK$1,623/mo
Today · 4.125%
HK$62,875
baseline
▲ 0.50% · 4.625%
HK$66,189
+HK$3,314/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,750/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,345
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,346
−HK$2,034/mo
Today · 4.125%
HK$68,380
baseline
▲ 0.50% · 4.625%
HK$72,540
+HK$4,160/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,760/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,583
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,503
−HK$1,947/mo
Today · 4.125%
HK$75,450
baseline
▲ 0.50% · 4.625%
HK$79,427
+HK$3,977/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,900/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,069
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,404
−HK$2,372/mo
Today · 4.125%
HK$79,776
baseline
▲ 0.50% · 4.625%
HK$84,631
+HK$4,855/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,552/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,513
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,753
−HK$2,272/mo
Today · 4.125%
HK$88,025
baseline
▲ 0.50% · 4.625%
HK$92,665
+HK$4,640/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,050/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,517
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,519
−HK$3,051/mo
Today · 4.125%
HK$102,570
baseline
▲ 0.50% · 4.625%
HK$108,811
+HK$6,241/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,140/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,374
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,254
−HK$2,921/mo
Today · 4.125%
HK$113,175
baseline
▲ 0.50% · 4.625%
HK$119,141
+HK$5,966/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,350/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,395 · Scale 2, in force from 26 Feb 2026)