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$53,624
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,292
−HK$1,694/mo
Today · 4.125%
HK$56,986
baseline
▲ 0.50% · 4.625%
HK$60,454
+HK$3,468/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,972/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,656
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,256
−HK$1,623/mo
Today · 4.125%
HK$62,879
baseline
▲ 0.50% · 4.625%
HK$66,193
+HK$3,314/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,758/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,349
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,350
−HK$2,034/mo
Today · 4.125%
HK$68,384
baseline
▲ 0.50% · 4.625%
HK$72,545
+HK$4,161/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,768/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,587
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,507
−HK$1,948/mo
Today · 4.125%
HK$75,455
baseline
▲ 0.50% · 4.625%
HK$79,432
+HK$3,977/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,910/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,073
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,408
−HK$2,373/mo
Today · 4.125%
HK$79,781
baseline
▲ 0.50% · 4.625%
HK$84,636
+HK$4,855/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,562/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,518
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,758
−HK$2,272/mo
Today · 4.125%
HK$88,030
baseline
▲ 0.50% · 4.625%
HK$92,671
+HK$4,641/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,060/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,523
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,525
−HK$3,051/mo
Today · 4.125%
HK$102,576
baseline
▲ 0.50% · 4.625%
HK$108,817
+HK$6,241/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,152/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,381
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,261
−HK$2,921/mo
Today · 4.125%
HK$113,182
baseline
▲ 0.50% · 4.625%
HK$119,148
+HK$5,966/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,364/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,454 · Scale 2, in force from 26 Feb 2026)