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$53,401
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,062
−HK$1,688/mo
Today · 4.125%
HK$56,750
baseline
▲ 0.50% · 4.625%
HK$60,203
+HK$3,453/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,500/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,408
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,001
−HK$1,617/mo
Today · 4.125%
HK$62,618
baseline
▲ 0.50% · 4.625%
HK$65,918
+HK$3,300/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,236/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,081
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,074
−HK$2,025/mo
Today · 4.125%
HK$68,099
baseline
▲ 0.50% · 4.625%
HK$72,243
+HK$4,144/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,198/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,289
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,201
−HK$1,940/mo
Today · 4.125%
HK$75,141
baseline
▲ 0.50% · 4.625%
HK$79,102
+HK$3,961/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,282/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,761
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,087
−HK$2,362/mo
Today · 4.125%
HK$79,449
baseline
▲ 0.50% · 4.625%
HK$84,284
+HK$4,835/mo
Deposit HK$7.03M · loan HK$16.39M · min. income ≈ HK$158,898/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,171
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,402
−HK$2,263/mo
Today · 4.125%
HK$87,665
baseline
▲ 0.50% · 4.625%
HK$92,285
+HK$4,620/mo
Deposit HK$7.03M · loan HK$16.39M · min. income ≈ HK$175,330/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,121
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,111
−HK$3,038/mo
Today · 4.125%
HK$102,149
baseline
▲ 0.50% · 4.625%
HK$108,365
+HK$6,216/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,298/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,934
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,802
−HK$2,910/mo
Today · 4.125%
HK$112,712
baseline
▲ 0.50% · 4.625%
HK$118,653
+HK$5,941/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,424/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,299 · Scale 2, in force from 26 Feb 2026)