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$53,406
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,067
−HK$1,688/mo
Today · 4.125%
HK$56,755
baseline
▲ 0.50% · 4.625%
HK$60,208
+HK$3,453/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,510/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,414
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,007
−HK$1,617/mo
Today · 4.125%
HK$62,624
baseline
▲ 0.50% · 4.625%
HK$65,924
+HK$3,300/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,248/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,087
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,081
−HK$2,025/mo
Today · 4.125%
HK$68,106
baseline
▲ 0.50% · 4.625%
HK$72,250
+HK$4,144/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,212/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,296
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,208
−HK$1,940/mo
Today · 4.125%
HK$75,148
baseline
▲ 0.50% · 4.625%
HK$79,109
+HK$3,961/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,296/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,768
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,094
−HK$2,363/mo
Today · 4.125%
HK$79,457
baseline
▲ 0.50% · 4.625%
HK$84,292
+HK$4,835/mo
Deposit HK$7.03M · loan HK$16.39M · min. income ≈ HK$158,914/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,179
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,410
−HK$2,263/mo
Today · 4.125%
HK$87,673
baseline
▲ 0.50% · 4.625%
HK$92,294
+HK$4,621/mo
Deposit HK$7.03M · loan HK$16.39M · min. income ≈ HK$175,346/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,131
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,121
−HK$3,038/mo
Today · 4.125%
HK$102,159
baseline
▲ 0.50% · 4.625%
HK$108,375
+HK$6,216/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,318/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,944
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,813
−HK$2,909/mo
Today · 4.125%
HK$112,722
baseline
▲ 0.50% · 4.625%
HK$118,664
+HK$5,942/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,444/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,394 · Scale 2, in force from 26 Feb 2026)