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$53,632
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,300
−HK$1,695/mo
Today · 4.125%
HK$56,995
baseline
▲ 0.50% · 4.625%
HK$60,463
+HK$3,468/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,990/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,665
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,265
−HK$1,623/mo
Today · 4.125%
HK$62,888
baseline
▲ 0.50% · 4.625%
HK$66,203
+HK$3,315/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,776/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,358
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,360
−HK$2,034/mo
Today · 4.125%
HK$68,394
baseline
▲ 0.50% · 4.625%
HK$72,556
+HK$4,162/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,788/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,598
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,518
−HK$1,948/mo
Today · 4.125%
HK$75,466
baseline
▲ 0.50% · 4.625%
HK$79,444
+HK$3,978/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,932/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,085
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,420
−HK$2,373/mo
Today · 4.125%
HK$79,793
baseline
▲ 0.50% · 4.625%
HK$84,648
+HK$4,855/mo
Deposit HK$7.06M · loan HK$16.46M · min. income ≈ HK$159,586/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,531
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,771
−HK$2,273/mo
Today · 4.125%
HK$88,044
baseline
▲ 0.50% · 4.625%
HK$92,685
+HK$4,641/mo
Deposit HK$7.06M · loan HK$16.46M · min. income ≈ HK$176,088/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,537
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,540
−HK$3,051/mo
Today · 4.125%
HK$102,591
baseline
▲ 0.50% · 4.625%
HK$108,834
+HK$6,243/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,182/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,397
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,277
−HK$2,922/mo
Today · 4.125%
HK$113,199
baseline
▲ 0.50% · 4.625%
HK$119,166
+HK$5,967/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,398/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,605 · Scale 2, in force from 26 Feb 2026)