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$53,416
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,078
−HK$1,688/mo
Today · 4.125%
HK$56,766
baseline
▲ 0.50% · 4.625%
HK$60,220
+HK$3,454/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,532/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,425
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,019
−HK$1,616/mo
Today · 4.125%
HK$62,635
baseline
▲ 0.50% · 4.625%
HK$65,937
+HK$3,302/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,270/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,099
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,093
−HK$2,026/mo
Today · 4.125%
HK$68,119
baseline
▲ 0.50% · 4.625%
HK$72,264
+HK$4,145/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,238/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,310
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,222
−HK$1,941/mo
Today · 4.125%
HK$75,163
baseline
▲ 0.50% · 4.625%
HK$79,124
+HK$3,961/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,326/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,783
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,109
−HK$2,363/mo
Today · 4.125%
HK$79,472
baseline
▲ 0.50% · 4.625%
HK$84,308
+HK$4,836/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,944/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,195
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,426
−HK$2,264/mo
Today · 4.125%
HK$87,690
baseline
▲ 0.50% · 4.625%
HK$92,312
+HK$4,622/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,380/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,149
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,140
−HK$3,038/mo
Today · 4.125%
HK$102,178
baseline
▲ 0.50% · 4.625%
HK$108,396
+HK$6,218/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,356/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,965
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,834
−HK$2,910/mo
Today · 4.125%
HK$112,744
baseline
▲ 0.50% · 4.625%
HK$118,687
+HK$5,943/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,488/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,584 · Scale 2, in force from 26 Feb 2026)