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$53,413
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,075
−HK$1,688/mo
Today · 4.125%
HK$56,763
baseline
▲ 0.50% · 4.625%
HK$60,217
+HK$3,454/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,526/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,422
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,015
−HK$1,617/mo
Today · 4.125%
HK$62,632
baseline
▲ 0.50% · 4.625%
HK$65,933
+HK$3,301/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,264/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,096
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,090
−HK$2,025/mo
Today · 4.125%
HK$68,115
baseline
▲ 0.50% · 4.625%
HK$72,260
+HK$4,145/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,230/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,306
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,218
−HK$1,940/mo
Today · 4.125%
HK$75,158
baseline
▲ 0.50% · 4.625%
HK$79,120
+HK$3,962/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,316/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,778
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,104
−HK$2,364/mo
Today · 4.125%
HK$79,468
baseline
▲ 0.50% · 4.625%
HK$84,303
+HK$4,835/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,936/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,190
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,421
−HK$2,264/mo
Today · 4.125%
HK$87,685
baseline
▲ 0.50% · 4.625%
HK$92,307
+HK$4,622/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,370/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,144
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,134
−HK$3,039/mo
Today · 4.125%
HK$102,173
baseline
▲ 0.50% · 4.625%
HK$108,390
+HK$6,217/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,346/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,959
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,827
−HK$2,911/mo
Today · 4.125%
HK$112,738
baseline
▲ 0.50% · 4.625%
HK$118,680
+HK$5,942/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,476/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,529 · Scale 2, in force from 26 Feb 2026)