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$53,610
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,277
−HK$1,695/mo
Today · 4.125%
HK$56,972
baseline
▲ 0.50% · 4.625%
HK$60,438
+HK$3,466/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,944/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,640
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,240
−HK$1,623/mo
Today · 4.125%
HK$62,863
baseline
▲ 0.50% · 4.625%
HK$66,176
+HK$3,313/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,726/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,332
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,333
−HK$2,033/mo
Today · 4.125%
HK$68,366
baseline
▲ 0.50% · 4.625%
HK$72,526
+HK$4,160/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$136,732/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,568
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,488
−HK$1,947/mo
Today · 4.125%
HK$75,435
baseline
▲ 0.50% · 4.625%
HK$79,411
+HK$3,976/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$150,870/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,054
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,388
−HK$2,372/mo
Today · 4.125%
HK$79,760
baseline
▲ 0.50% · 4.625%
HK$84,614
+HK$4,854/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,520/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,497
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,736
−HK$2,272/mo
Today · 4.125%
HK$88,008
baseline
▲ 0.50% · 4.625%
HK$92,647
+HK$4,639/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,016/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,498
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,499
−HK$3,050/mo
Today · 4.125%
HK$102,549
baseline
▲ 0.50% · 4.625%
HK$108,789
+HK$6,240/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,098/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,353
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,232
−HK$2,921/mo
Today · 4.125%
HK$113,153
baseline
▲ 0.50% · 4.625%
HK$119,117
+HK$5,964/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,306/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,194 · Scale 2, in force from 26 Feb 2026)