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$53,638
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,306
−HK$1,695/mo
Today · 4.125%
HK$57,001
baseline
▲ 0.50% · 4.625%
HK$60,470
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,002/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,671
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,272
−HK$1,623/mo
Today · 4.125%
HK$62,895
baseline
▲ 0.50% · 4.625%
HK$66,211
+HK$3,316/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,790/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,365
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,367
−HK$2,035/mo
Today · 4.125%
HK$68,402
baseline
▲ 0.50% · 4.625%
HK$72,564
+HK$4,162/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,804/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,606
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,526
−HK$1,948/mo
Today · 4.125%
HK$75,474
baseline
▲ 0.50% · 4.625%
HK$79,453
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,948/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,093
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,429
−HK$2,373/mo
Today · 4.125%
HK$79,802
baseline
▲ 0.50% · 4.625%
HK$84,658
+HK$4,856/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,604/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,540
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,780
−HK$2,273/mo
Today · 4.125%
HK$88,053
baseline
▲ 0.50% · 4.625%
HK$92,695
+HK$4,642/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,106/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,548
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,551
−HK$3,051/mo
Today · 4.125%
HK$102,602
baseline
▲ 0.50% · 4.625%
HK$108,845
+HK$6,243/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,204/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,409
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,289
−HK$2,923/mo
Today · 4.125%
HK$113,212
baseline
▲ 0.50% · 4.625%
HK$119,179
+HK$5,967/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,424/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,714 · Scale 2, in force from 26 Feb 2026)