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$53,435
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,097
−HK$1,689/mo
Today · 4.125%
HK$56,786
baseline
▲ 0.50% · 4.625%
HK$60,241
+HK$3,455/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,572/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,446
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,040
−HK$1,618/mo
Today · 4.125%
HK$62,658
baseline
▲ 0.50% · 4.625%
HK$65,961
+HK$3,303/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,316/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,122
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,117
−HK$2,026/mo
Today · 4.125%
HK$68,143
baseline
▲ 0.50% · 4.625%
HK$72,290
+HK$4,147/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,286/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,335
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,249
−HK$1,940/mo
Today · 4.125%
HK$75,189
baseline
▲ 0.50% · 4.625%
HK$79,153
+HK$3,964/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,378/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,809
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,136
−HK$2,365/mo
Today · 4.125%
HK$79,501
baseline
▲ 0.50% · 4.625%
HK$84,338
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$159,002/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,225
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,457
−HK$2,264/mo
Today · 4.125%
HK$87,721
baseline
▲ 0.50% · 4.625%
HK$92,345
+HK$4,624/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,442/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,183
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,175
−HK$3,040/mo
Today · 4.125%
HK$102,215
baseline
▲ 0.50% · 4.625%
HK$108,434
+HK$6,219/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,430/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,003
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,873
−HK$2,911/mo
Today · 4.125%
HK$112,784
baseline
▲ 0.50% · 4.625%
HK$118,729
+HK$5,945/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,568/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,940 · Scale 2, in force from 26 Feb 2026)