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$53,425
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,087
−HK$1,688/mo
Today · 4.125%
HK$56,775
baseline
▲ 0.50% · 4.625%
HK$60,230
+HK$3,455/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,550/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,435
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,029
−HK$1,617/mo
Today · 4.125%
HK$62,646
baseline
▲ 0.50% · 4.625%
HK$65,948
+HK$3,302/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,292/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,110
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,104
−HK$2,026/mo
Today · 4.125%
HK$68,130
baseline
▲ 0.50% · 4.625%
HK$72,276
+HK$4,146/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,260/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,322
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,235
−HK$1,940/mo
Today · 4.125%
HK$75,175
baseline
▲ 0.50% · 4.625%
HK$79,138
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,350/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,795
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,122
−HK$2,363/mo
Today · 4.125%
HK$79,485
baseline
▲ 0.50% · 4.625%
HK$84,322
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,970/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,209
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,440
−HK$2,264/mo
Today · 4.125%
HK$87,704
baseline
▲ 0.50% · 4.625%
HK$92,327
+HK$4,623/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,408/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,165
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,156
−HK$3,039/mo
Today · 4.125%
HK$102,195
baseline
▲ 0.50% · 4.625%
HK$108,414
+HK$6,219/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,390/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,983
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,852
−HK$2,911/mo
Today · 4.125%
HK$112,763
baseline
▲ 0.50% · 4.625%
HK$118,706
+HK$5,943/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,526/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,749 · Scale 2, in force from 26 Feb 2026)