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$53,650
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,319
−HK$1,695/mo
Today · 4.125%
HK$57,014
baseline
▲ 0.50% · 4.625%
HK$60,483
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,028/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,685
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,286
−HK$1,623/mo
Today · 4.125%
HK$62,909
baseline
▲ 0.50% · 4.625%
HK$66,226
+HK$3,317/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,818/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,380
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,382
−HK$2,035/mo
Today · 4.125%
HK$68,417
baseline
▲ 0.50% · 4.625%
HK$72,580
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,834/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,622
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,543
−HK$1,948/mo
Today · 4.125%
HK$75,491
baseline
▲ 0.50% · 4.625%
HK$79,471
+HK$3,980/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$150,982/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,110
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,446
−HK$2,374/mo
Today · 4.125%
HK$79,820
baseline
▲ 0.50% · 4.625%
HK$84,677
+HK$4,857/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,640/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,559
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,800
−HK$2,273/mo
Today · 4.125%
HK$88,073
baseline
▲ 0.50% · 4.625%
HK$92,716
+HK$4,643/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,146/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,570
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,574
−HK$3,051/mo
Today · 4.125%
HK$102,625
baseline
▲ 0.50% · 4.625%
HK$108,870
+HK$6,245/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,250/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,433
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,314
−HK$2,923/mo
Today · 4.125%
HK$113,237
baseline
▲ 0.50% · 4.625%
HK$119,206
+HK$5,969/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,474/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,939 · Scale 2, in force from 26 Feb 2026)