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$53,611
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,279
−HK$1,694/mo
Today · 4.125%
HK$56,973
baseline
▲ 0.50% · 4.625%
HK$60,440
+HK$3,467/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,946/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,642
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,241
−HK$1,623/mo
Today · 4.125%
HK$62,864
baseline
▲ 0.50% · 4.625%
HK$66,178
+HK$3,314/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,728/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,333
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,334
−HK$2,034/mo
Today · 4.125%
HK$68,368
baseline
▲ 0.50% · 4.625%
HK$72,528
+HK$4,160/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$136,736/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,570
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,490
−HK$1,947/mo
Today · 4.125%
HK$75,437
baseline
▲ 0.50% · 4.625%
HK$79,413
+HK$3,976/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$150,874/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,055
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,390
−HK$2,372/mo
Today · 4.125%
HK$79,762
baseline
▲ 0.50% · 4.625%
HK$84,615
+HK$4,853/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,524/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,498
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,738
−HK$2,272/mo
Today · 4.125%
HK$88,010
baseline
▲ 0.50% · 4.625%
HK$92,649
+HK$4,639/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,020/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,500
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,502
−HK$3,049/mo
Today · 4.125%
HK$102,551
baseline
▲ 0.50% · 4.625%
HK$108,791
+HK$6,240/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,102/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,355
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,234
−HK$2,921/mo
Today · 4.125%
HK$113,155
baseline
▲ 0.50% · 4.625%
HK$119,120
+HK$5,965/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,310/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,217 · Scale 2, in force from 26 Feb 2026)