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$53,637
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,305
−HK$1,695/mo
Today · 4.125%
HK$57,000
baseline
▲ 0.50% · 4.625%
HK$60,469
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,000/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,670
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,271
−HK$1,623/mo
Today · 4.125%
HK$62,894
baseline
▲ 0.50% · 4.625%
HK$66,209
+HK$3,315/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,788/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,364
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,366
−HK$2,034/mo
Today · 4.125%
HK$68,400
baseline
▲ 0.50% · 4.625%
HK$72,562
+HK$4,162/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,800/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,604
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,525
−HK$1,948/mo
Today · 4.125%
HK$75,473
baseline
▲ 0.50% · 4.625%
HK$79,451
+HK$3,978/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,946/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,091
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,427
−HK$2,373/mo
Today · 4.125%
HK$79,800
baseline
▲ 0.50% · 4.625%
HK$84,656
+HK$4,856/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,600/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,539
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,779
−HK$2,273/mo
Today · 4.125%
HK$88,052
baseline
▲ 0.50% · 4.625%
HK$92,693
+HK$4,641/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,104/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,546
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,549
−HK$3,051/mo
Today · 4.125%
HK$102,600
baseline
▲ 0.50% · 4.625%
HK$108,843
+HK$6,243/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,200/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,407
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,287
−HK$2,923/mo
Today · 4.125%
HK$113,210
baseline
▲ 0.50% · 4.625%
HK$119,177
+HK$5,967/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,420/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,696 · Scale 2, in force from 26 Feb 2026)