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$53,424
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,086
−HK$1,688/mo
Today · 4.125%
HK$56,774
baseline
▲ 0.50% · 4.625%
HK$60,229
+HK$3,455/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,548/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,434
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,028
−HK$1,617/mo
Today · 4.125%
HK$62,645
baseline
▲ 0.50% · 4.625%
HK$65,947
+HK$3,302/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,290/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,109
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,103
−HK$2,026/mo
Today · 4.125%
HK$68,129
baseline
▲ 0.50% · 4.625%
HK$72,275
+HK$4,146/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,258/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,321
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,233
−HK$1,941/mo
Today · 4.125%
HK$75,174
baseline
▲ 0.50% · 4.625%
HK$79,136
+HK$3,962/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,348/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,794
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,120
−HK$2,364/mo
Today · 4.125%
HK$79,484
baseline
▲ 0.50% · 4.625%
HK$84,320
+HK$4,836/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,968/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,207
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,439
−HK$2,264/mo
Today · 4.125%
HK$87,703
baseline
▲ 0.50% · 4.625%
HK$92,326
+HK$4,623/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,406/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,163
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,155
−HK$3,039/mo
Today · 4.125%
HK$102,194
baseline
▲ 0.50% · 4.625%
HK$108,412
+HK$6,218/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,388/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,981
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,850
−HK$2,911/mo
Today · 4.125%
HK$112,761
baseline
▲ 0.50% · 4.625%
HK$118,704
+HK$5,943/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,522/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,732 · Scale 2, in force from 26 Feb 2026)