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$53,431
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,093
−HK$1,689/mo
Today · 4.125%
HK$56,782
baseline
▲ 0.50% · 4.625%
HK$60,237
+HK$3,455/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,564/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,442
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,036
−HK$1,617/mo
Today · 4.125%
HK$62,653
baseline
▲ 0.50% · 4.625%
HK$65,955
+HK$3,302/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,306/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,117
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,112
−HK$2,026/mo
Today · 4.125%
HK$68,138
baseline
▲ 0.50% · 4.625%
HK$72,284
+HK$4,146/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,276/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,330
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,243
−HK$1,941/mo
Today · 4.125%
HK$75,184
baseline
▲ 0.50% · 4.625%
HK$79,147
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,368/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,803
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,130
−HK$2,364/mo
Today · 4.125%
HK$79,494
baseline
▲ 0.50% · 4.625%
HK$84,331
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,988/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,218
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,450
−HK$2,264/mo
Today · 4.125%
HK$87,714
baseline
▲ 0.50% · 4.625%
HK$92,338
+HK$4,624/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,428/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,176
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,168
−HK$3,039/mo
Today · 4.125%
HK$102,207
baseline
▲ 0.50% · 4.625%
HK$108,426
+HK$6,219/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,414/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,995
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,864
−HK$2,911/mo
Today · 4.125%
HK$112,775
baseline
▲ 0.50% · 4.625%
HK$118,720
+HK$5,945/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,550/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,862 · Scale 2, in force from 26 Feb 2026)