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$53,642
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,311
−HK$1,695/mo
Today · 4.125%
HK$57,006
baseline
▲ 0.50% · 4.625%
HK$60,475
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,012/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,677
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,277
−HK$1,624/mo
Today · 4.125%
HK$62,901
baseline
▲ 0.50% · 4.625%
HK$66,216
+HK$3,315/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,802/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,371
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,373
−HK$2,035/mo
Today · 4.125%
HK$68,408
baseline
▲ 0.50% · 4.625%
HK$72,570
+HK$4,162/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,816/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,612
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,533
−HK$1,948/mo
Today · 4.125%
HK$75,481
baseline
▲ 0.50% · 4.625%
HK$79,460
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,962/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,099
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,436
−HK$2,373/mo
Today · 4.125%
HK$79,809
baseline
▲ 0.50% · 4.625%
HK$84,665
+HK$4,856/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,618/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,547
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,788
−HK$2,273/mo
Today · 4.125%
HK$88,061
baseline
▲ 0.50% · 4.625%
HK$92,703
+HK$4,642/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,122/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,556
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,560
−HK$3,051/mo
Today · 4.125%
HK$102,611
baseline
▲ 0.50% · 4.625%
HK$108,855
+HK$6,244/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,222/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,418
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,299
−HK$2,923/mo
Today · 4.125%
HK$113,222
baseline
▲ 0.50% · 4.625%
HK$119,190
+HK$5,968/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,444/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,803 · Scale 2, in force from 26 Feb 2026)