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$53,645
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,314
−HK$1,696/mo
Today · 4.125%
HK$57,010
baseline
▲ 0.50% · 4.625%
HK$60,478
+HK$3,468/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,020/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,680
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,281
−HK$1,623/mo
Today · 4.125%
HK$62,904
baseline
▲ 0.50% · 4.625%
HK$66,220
+HK$3,316/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,808/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,375
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,377
−HK$2,034/mo
Today · 4.125%
HK$68,411
baseline
▲ 0.50% · 4.625%
HK$72,574
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,822/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,616
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,537
−HK$1,948/mo
Today · 4.125%
HK$75,485
baseline
▲ 0.50% · 4.625%
HK$79,464
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$150,970/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,104
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,440
−HK$2,373/mo
Today · 4.125%
HK$79,813
baseline
▲ 0.50% · 4.625%
HK$84,670
+HK$4,857/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,626/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,552
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,793
−HK$2,273/mo
Today · 4.125%
HK$88,066
baseline
▲ 0.50% · 4.625%
HK$92,708
+HK$4,642/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,132/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,562
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,566
−HK$3,051/mo
Today · 4.125%
HK$102,617
baseline
▲ 0.50% · 4.625%
HK$108,861
+HK$6,244/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,234/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,424
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,305
−HK$2,923/mo
Today · 4.125%
HK$113,228
baseline
▲ 0.50% · 4.625%
HK$119,196
+HK$5,968/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,456/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,859 · Scale 2, in force from 26 Feb 2026)