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$53,545
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,211
−HK$1,692/mo
Today · 4.125%
HK$56,903
baseline
▲ 0.50% · 4.625%
HK$60,365
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,806/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,569
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,166
−HK$1,621/mo
Today · 4.125%
HK$62,787
baseline
▲ 0.50% · 4.625%
HK$66,096
+HK$3,309/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,574/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,254
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,253
−HK$2,031/mo
Today · 4.125%
HK$68,284
baseline
▲ 0.50% · 4.625%
HK$72,439
+HK$4,155/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,568/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,482
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,399
−HK$1,945/mo
Today · 4.125%
HK$75,344
baseline
▲ 0.50% · 4.625%
HK$79,316
+HK$3,972/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,688/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,963
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,295
−HK$2,369/mo
Today · 4.125%
HK$79,664
baseline
▲ 0.50% · 4.625%
HK$84,512
+HK$4,848/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$159,328/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,396
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,633
−HK$2,269/mo
Today · 4.125%
HK$87,902
baseline
▲ 0.50% · 4.625%
HK$92,535
+HK$4,633/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$175,804/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,382
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,380
−HK$3,045/mo
Today · 4.125%
HK$102,425
baseline
▲ 0.50% · 4.625%
HK$108,658
+HK$6,233/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,850/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,223
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,099
−HK$2,917/mo
Today · 4.125%
HK$113,016
baseline
▲ 0.50% · 4.625%
HK$118,974
+HK$5,958/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$226,032/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,991 · Scale 2, in force from 26 Feb 2026)