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$53,393
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,054
−HK$1,688/mo
Today · 4.125%
HK$56,742
baseline
▲ 0.50% · 4.625%
HK$60,194
+HK$3,452/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,484/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,400
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,993
−HK$1,616/mo
Today · 4.125%
HK$62,609
baseline
▲ 0.50% · 4.625%
HK$65,909
+HK$3,300/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,218/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,072
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,065
−HK$2,025/mo
Today · 4.125%
HK$68,090
baseline
▲ 0.50% · 4.625%
HK$72,233
+HK$4,143/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,180/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,279
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,191
−HK$1,939/mo
Today · 4.125%
HK$75,130
baseline
▲ 0.50% · 4.625%
HK$79,091
+HK$3,961/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,260/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,751
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,076
−HK$2,362/mo
Today · 4.125%
HK$79,438
baseline
▲ 0.50% · 4.625%
HK$84,272
+HK$4,834/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$158,876/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,159
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,390
−HK$2,262/mo
Today · 4.125%
HK$87,652
baseline
▲ 0.50% · 4.625%
HK$92,272
+HK$4,620/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$175,304/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,108
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,097
−HK$3,038/mo
Today · 4.125%
HK$102,135
baseline
▲ 0.50% · 4.625%
HK$108,349
+HK$6,214/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,270/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,919
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,787
−HK$2,909/mo
Today · 4.125%
HK$112,696
baseline
▲ 0.50% · 4.625%
HK$118,636
+HK$5,940/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,392/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,159 · Scale 2, in force from 26 Feb 2026)