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$55,085
−HK$1,689/mo
Today · 4.125%
HK$56,774
baseline
▲ 0.50% · 4.625%
HK$60,228
+HK$3,454/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$995,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,433
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,027
−HK$1,617/mo
Today · 4.125%
HK$62,644
baseline
▲ 0.50% · 4.625%
HK$65,946
+HK$3,302/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,288/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,108
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,102
−HK$2,026/mo
Today · 4.125%
HK$68,128
baseline
▲ 0.50% · 4.625%
HK$72,274
+HK$4,146/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,256/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,320
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,233
−HK$1,940/mo
Today · 4.125%
HK$75,173
baseline
▲ 0.50% · 4.625%
HK$79,136
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,346/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,793
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,120
−HK$2,363/mo
Today · 4.125%
HK$79,483
baseline
▲ 0.50% · 4.625%
HK$84,320
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,966/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,207
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,438
−HK$2,264/mo
Today · 4.125%
HK$87,702
baseline
▲ 0.50% · 4.625%
HK$92,325
+HK$4,623/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,404/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,162
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,154
−HK$3,039/mo
Today · 4.125%
HK$102,193
baseline
▲ 0.50% · 4.625%
HK$108,411
+HK$6,218/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,386/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,980
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,849
−HK$2,911/mo
Today · 4.125%
HK$112,760
baseline
▲ 0.50% · 4.625%
HK$118,703
+HK$5,943/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,520/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,723 · Scale 2, in force from 26 Feb 2026)