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$53,614
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,282
−HK$1,694/mo
Today · 4.125%
HK$56,976
baseline
▲ 0.50% · 4.625%
HK$60,443
+HK$3,467/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,952/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,645
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,244
−HK$1,623/mo
Today · 4.125%
HK$62,867
baseline
▲ 0.50% · 4.625%
HK$66,181
+HK$3,314/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,734/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,337
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,338
−HK$2,033/mo
Today · 4.125%
HK$68,371
baseline
▲ 0.50% · 4.625%
HK$72,531
+HK$4,160/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$136,742/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,574
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,493
−HK$1,948/mo
Today · 4.125%
HK$75,441
baseline
▲ 0.50% · 4.625%
HK$79,417
+HK$3,976/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$150,882/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,059
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,394
−HK$2,372/mo
Today · 4.125%
HK$79,766
baseline
▲ 0.50% · 4.625%
HK$84,620
+HK$4,854/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,532/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,503
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,742
−HK$2,272/mo
Today · 4.125%
HK$88,014
baseline
▲ 0.50% · 4.625%
HK$92,654
+HK$4,640/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,028/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,505
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,507
−HK$3,050/mo
Today · 4.125%
HK$102,557
baseline
▲ 0.50% · 4.625%
HK$108,797
+HK$6,240/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,114/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,361
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,240
−HK$2,921/mo
Today · 4.125%
HK$113,161
baseline
▲ 0.50% · 4.625%
HK$119,126
+HK$5,965/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,322/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,268 · Scale 2, in force from 26 Feb 2026)