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$53,613
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,281
−HK$1,694/mo
Today · 4.125%
HK$56,975
baseline
▲ 0.50% · 4.625%
HK$60,442
+HK$3,467/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,950/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,644
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,243
−HK$1,623/mo
Today · 4.125%
HK$62,866
baseline
▲ 0.50% · 4.625%
HK$66,180
+HK$3,314/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,732/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,336
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,337
−HK$2,033/mo
Today · 4.125%
HK$68,370
baseline
▲ 0.50% · 4.625%
HK$72,530
+HK$4,160/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$136,740/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,573
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,492
−HK$1,947/mo
Today · 4.125%
HK$75,439
baseline
▲ 0.50% · 4.625%
HK$79,416
+HK$3,977/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$150,878/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,058
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,393
−HK$2,372/mo
Today · 4.125%
HK$79,765
baseline
▲ 0.50% · 4.625%
HK$84,618
+HK$4,853/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,530/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,501
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,741
−HK$2,272/mo
Today · 4.125%
HK$88,013
baseline
▲ 0.50% · 4.625%
HK$92,652
+HK$4,639/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,026/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,503
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,505
−HK$3,050/mo
Today · 4.125%
HK$102,555
baseline
▲ 0.50% · 4.625%
HK$108,795
+HK$6,240/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,110/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,359
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,238
−HK$2,921/mo
Today · 4.125%
HK$113,159
baseline
▲ 0.50% · 4.625%
HK$119,124
+HK$5,965/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,318/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,252 · Scale 2, in force from 26 Feb 2026)