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$53,617
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,285
−HK$1,694/mo
Today · 4.125%
HK$56,979
baseline
▲ 0.50% · 4.625%
HK$60,446
+HK$3,467/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,958/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,648
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,248
−HK$1,623/mo
Today · 4.125%
HK$62,871
baseline
▲ 0.50% · 4.625%
HK$66,185
+HK$3,314/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,742/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,340
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,342
−HK$2,033/mo
Today · 4.125%
HK$68,375
baseline
▲ 0.50% · 4.625%
HK$72,535
+HK$4,160/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,750/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,578
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,498
−HK$1,947/mo
Today · 4.125%
HK$75,445
baseline
▲ 0.50% · 4.625%
HK$79,422
+HK$3,977/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,890/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,064
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,399
−HK$2,372/mo
Today · 4.125%
HK$79,771
baseline
▲ 0.50% · 4.625%
HK$84,625
+HK$4,854/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,542/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,508
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,747
−HK$2,272/mo
Today · 4.125%
HK$88,019
baseline
▲ 0.50% · 4.625%
HK$92,659
+HK$4,640/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,038/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,510
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,512
−HK$3,050/mo
Today · 4.125%
HK$102,562
baseline
▲ 0.50% · 4.625%
HK$108,803
+HK$6,241/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,124/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,367
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,246
−HK$2,922/mo
Today · 4.125%
HK$113,168
baseline
▲ 0.50% · 4.625%
HK$119,133
+HK$5,965/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,336/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,325 · Scale 2, in force from 26 Feb 2026)