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$53,644
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,312
−HK$1,696/mo
Today · 4.125%
HK$57,008
baseline
▲ 0.50% · 4.625%
HK$60,477
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,016/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,678
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,279
−HK$1,623/mo
Today · 4.125%
HK$62,902
baseline
▲ 0.50% · 4.625%
HK$66,218
+HK$3,316/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,804/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,373
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,375
−HK$2,034/mo
Today · 4.125%
HK$68,409
baseline
▲ 0.50% · 4.625%
HK$72,572
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,818/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,614
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,535
−HK$1,948/mo
Today · 4.125%
HK$75,483
baseline
▲ 0.50% · 4.625%
HK$79,462
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$150,966/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,101
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,437
−HK$2,374/mo
Today · 4.125%
HK$79,811
baseline
▲ 0.50% · 4.625%
HK$84,667
+HK$4,856/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,622/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,550
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,790
−HK$2,273/mo
Today · 4.125%
HK$88,063
baseline
▲ 0.50% · 4.625%
HK$92,705
+HK$4,642/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,126/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,559
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,562
−HK$3,052/mo
Today · 4.125%
HK$102,614
baseline
▲ 0.50% · 4.625%
HK$108,858
+HK$6,244/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,228/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,421
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,302
−HK$2,922/mo
Today · 4.125%
HK$113,224
baseline
▲ 0.50% · 4.625%
HK$119,193
+HK$5,969/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,448/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,828 · Scale 2, in force from 26 Feb 2026)