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$53,629
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,297
−HK$1,695/mo
Today · 4.125%
HK$56,992
baseline
▲ 0.50% · 4.625%
HK$60,460
+HK$3,468/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,984/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,662
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,262
−HK$1,623/mo
Today · 4.125%
HK$62,885
baseline
▲ 0.50% · 4.625%
HK$66,200
+HK$3,315/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,770/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,355
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,357
−HK$2,033/mo
Today · 4.125%
HK$68,390
baseline
▲ 0.50% · 4.625%
HK$72,552
+HK$4,162/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,780/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,594
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,514
−HK$1,948/mo
Today · 4.125%
HK$75,462
baseline
▲ 0.50% · 4.625%
HK$79,440
+HK$3,978/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,924/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,081
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,416
−HK$2,373/mo
Today · 4.125%
HK$79,789
baseline
▲ 0.50% · 4.625%
HK$84,644
+HK$4,855/mo
Deposit HK$7.06M · loan HK$16.46M · min. income ≈ HK$159,578/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,526
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,766
−HK$2,273/mo
Today · 4.125%
HK$88,039
baseline
▲ 0.50% · 4.625%
HK$92,680
+HK$4,641/mo
Deposit HK$7.06M · loan HK$16.46M · min. income ≈ HK$176,078/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,532
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,535
−HK$3,050/mo
Today · 4.125%
HK$102,585
baseline
▲ 0.50% · 4.625%
HK$108,828
+HK$6,243/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,170/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,391
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,271
−HK$2,922/mo
Today · 4.125%
HK$113,193
baseline
▲ 0.50% · 4.625%
HK$119,160
+HK$5,967/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,386/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,550 · Scale 2, in force from 26 Feb 2026)