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$53,403
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,064
−HK$1,688/mo
Today · 4.125%
HK$56,752
baseline
▲ 0.50% · 4.625%
HK$60,205
+HK$3,453/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,504/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,411
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$61,004
−HK$1,616/mo
Today · 4.125%
HK$62,620
baseline
▲ 0.50% · 4.625%
HK$65,921
+HK$3,301/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,240/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,084
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,077
−HK$2,026/mo
Today · 4.125%
HK$68,103
baseline
▲ 0.50% · 4.625%
HK$72,247
+HK$4,144/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,206/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,293
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,205
−HK$1,940/mo
Today · 4.125%
HK$75,145
baseline
▲ 0.50% · 4.625%
HK$79,106
+HK$3,961/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,290/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,765
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,090
−HK$2,363/mo
Today · 4.125%
HK$79,453
baseline
▲ 0.50% · 4.625%
HK$84,288
+HK$4,835/mo
Deposit HK$7.03M · loan HK$16.39M · min. income ≈ HK$158,906/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,175
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,406
−HK$2,263/mo
Today · 4.125%
HK$87,669
baseline
▲ 0.50% · 4.625%
HK$92,290
+HK$4,621/mo
Deposit HK$7.03M · loan HK$16.39M · min. income ≈ HK$175,338/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,126
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,116
−HK$3,038/mo
Today · 4.125%
HK$102,154
baseline
▲ 0.50% · 4.625%
HK$108,370
+HK$6,216/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,308/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,939
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,807
−HK$2,910/mo
Today · 4.125%
HK$112,717
baseline
▲ 0.50% · 4.625%
HK$118,658
+HK$5,941/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,434/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,345 · Scale 2, in force from 26 Feb 2026)