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$53,647
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,316
−HK$1,695/mo
Today · 4.125%
HK$57,011
baseline
▲ 0.50% · 4.625%
HK$60,480
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,022/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,682
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,282
−HK$1,624/mo
Today · 4.125%
HK$62,906
baseline
▲ 0.50% · 4.625%
HK$66,222
+HK$3,316/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,812/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,376
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,379
−HK$2,034/mo
Today · 4.125%
HK$68,413
baseline
▲ 0.50% · 4.625%
HK$72,576
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,826/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,618
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,539
−HK$1,948/mo
Today · 4.125%
HK$75,487
baseline
▲ 0.50% · 4.625%
HK$79,466
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$150,974/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,106
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,442
−HK$2,374/mo
Today · 4.125%
HK$79,816
baseline
▲ 0.50% · 4.625%
HK$84,672
+HK$4,856/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,632/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,554
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,795
−HK$2,274/mo
Today · 4.125%
HK$88,069
baseline
▲ 0.50% · 4.625%
HK$92,711
+HK$4,642/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,138/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,565
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,568
−HK$3,052/mo
Today · 4.125%
HK$102,620
baseline
▲ 0.50% · 4.625%
HK$108,864
+HK$6,244/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,240/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,427
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,308
−HK$2,923/mo
Today · 4.125%
HK$113,231
baseline
▲ 0.50% · 4.625%
HK$119,200
+HK$5,969/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,462/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,887 · Scale 2, in force from 26 Feb 2026)