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$53,517
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,182
−HK$1,691/mo
Today · 4.125%
HK$56,873
baseline
▲ 0.50% · 4.625%
HK$60,334
+HK$3,461/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,746/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,538
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,134
−HK$1,620/mo
Today · 4.125%
HK$62,754
baseline
▲ 0.50% · 4.625%
HK$66,062
+HK$3,308/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,508/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,221
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,218
−HK$2,030/mo
Today · 4.125%
HK$68,248
baseline
▲ 0.50% · 4.625%
HK$72,401
+HK$4,153/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,496/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,445
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,361
−HK$1,944/mo
Today · 4.125%
HK$75,305
baseline
▲ 0.50% · 4.625%
HK$79,274
+HK$3,969/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,610/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,924
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,255
−HK$2,368/mo
Today · 4.125%
HK$79,623
baseline
▲ 0.50% · 4.625%
HK$84,468
+HK$4,845/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,246/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,353
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,588
−HK$2,268/mo
Today · 4.125%
HK$87,856
baseline
▲ 0.50% · 4.625%
HK$92,487
+HK$4,631/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,712/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,331
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,328
−HK$3,044/mo
Today · 4.125%
HK$102,372
baseline
▲ 0.50% · 4.625%
HK$108,601
+HK$6,229/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,744/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,168
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,042
−HK$2,916/mo
Today · 4.125%
HK$112,958
baseline
▲ 0.50% · 4.625%
HK$118,912
+HK$5,954/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,916/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,471 · Scale 2, in force from 26 Feb 2026)