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$53,509
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,173
−HK$1,691/mo
Today · 4.125%
HK$56,864
baseline
▲ 0.50% · 4.625%
HK$60,324
+HK$3,460/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,728/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,528
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,124
−HK$1,620/mo
Today · 4.125%
HK$62,744
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,307/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,488/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,210
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,208
−HK$2,029/mo
Today · 4.125%
HK$68,237
baseline
▲ 0.50% · 4.625%
HK$72,389
+HK$4,152/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,474/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,434
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,349
−HK$1,944/mo
Today · 4.125%
HK$75,293
baseline
▲ 0.50% · 4.625%
HK$79,262
+HK$3,969/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,586/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,912
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,242
−HK$2,368/mo
Today · 4.125%
HK$79,610
baseline
▲ 0.50% · 4.625%
HK$84,454
+HK$4,844/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,220/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,339
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,574
−HK$2,268/mo
Today · 4.125%
HK$87,842
baseline
▲ 0.50% · 4.625%
HK$92,472
+HK$4,630/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,684/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,316
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,312
−HK$3,044/mo
Today · 4.125%
HK$102,356
baseline
▲ 0.50% · 4.625%
HK$108,584
+HK$6,228/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,712/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,150
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,024
−HK$2,915/mo
Today · 4.125%
HK$112,939
baseline
▲ 0.50% · 4.625%
HK$118,892
+HK$5,953/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,878/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,310 · Scale 2, in force from 26 Feb 2026)