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$53,641
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,310
−HK$1,695/mo
Today · 4.125%
HK$57,005
baseline
▲ 0.50% · 4.625%
HK$60,473
+HK$3,468/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,010/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,675
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,276
−HK$1,623/mo
Today · 4.125%
HK$62,899
baseline
▲ 0.50% · 4.625%
HK$66,215
+HK$3,316/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,798/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,369
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,371
−HK$2,035/mo
Today · 4.125%
HK$68,406
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$4,162/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,812/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,610
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,531
−HK$1,948/mo
Today · 4.125%
HK$75,479
baseline
▲ 0.50% · 4.625%
HK$79,458
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,958/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,097
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,433
−HK$2,374/mo
Today · 4.125%
HK$79,807
baseline
▲ 0.50% · 4.625%
HK$84,663
+HK$4,856/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,614/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,545
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,786
−HK$2,273/mo
Today · 4.125%
HK$88,059
baseline
▲ 0.50% · 4.625%
HK$92,700
+HK$4,641/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,118/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,554
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,557
−HK$3,052/mo
Today · 4.125%
HK$102,609
baseline
▲ 0.50% · 4.625%
HK$108,852
+HK$6,243/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,218/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,415
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,296
−HK$2,922/mo
Today · 4.125%
HK$113,218
baseline
▲ 0.50% · 4.625%
HK$119,186
+HK$5,968/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,436/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,775 · Scale 2, in force from 26 Feb 2026)