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$53,430
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,092
−HK$1,689/mo
Today · 4.125%
HK$56,781
baseline
▲ 0.50% · 4.625%
HK$60,236
+HK$3,455/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,562/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,440
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,035
−HK$1,617/mo
Today · 4.125%
HK$62,652
baseline
▲ 0.50% · 4.625%
HK$65,954
+HK$3,302/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,304/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,116
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,110
−HK$2,027/mo
Today · 4.125%
HK$68,137
baseline
▲ 0.50% · 4.625%
HK$72,283
+HK$4,146/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,274/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,328
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,241
−HK$1,941/mo
Today · 4.125%
HK$75,182
baseline
▲ 0.50% · 4.625%
HK$79,145
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,364/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,802
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,129
−HK$2,364/mo
Today · 4.125%
HK$79,493
baseline
▲ 0.50% · 4.625%
HK$84,330
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,986/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,217
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,448
−HK$2,264/mo
Today · 4.125%
HK$87,712
baseline
▲ 0.50% · 4.625%
HK$92,336
+HK$4,624/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,424/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,174
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,166
−HK$3,039/mo
Today · 4.125%
HK$102,205
baseline
▲ 0.50% · 4.625%
HK$108,424
+HK$6,219/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,410/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,993
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,862
−HK$2,911/mo
Today · 4.125%
HK$112,773
baseline
▲ 0.50% · 4.625%
HK$118,718
+HK$5,945/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,546/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,843 · Scale 2, in force from 26 Feb 2026)