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$53,409
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,070
−HK$1,688/mo
Today · 4.125%
HK$56,758
baseline
▲ 0.50% · 4.625%
HK$60,212
+HK$3,454/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,516/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,417
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,011
−HK$1,616/mo
Today · 4.125%
HK$62,627
baseline
▲ 0.50% · 4.625%
HK$65,928
+HK$3,301/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,254/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,091
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,085
−HK$2,025/mo
Today · 4.125%
HK$68,110
baseline
▲ 0.50% · 4.625%
HK$72,254
+HK$4,144/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,220/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,301
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,213
−HK$1,940/mo
Today · 4.125%
HK$75,153
baseline
▲ 0.50% · 4.625%
HK$79,114
+HK$3,961/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,306/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,773
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,099
−HK$2,363/mo
Today · 4.125%
HK$79,462
baseline
▲ 0.50% · 4.625%
HK$84,297
+HK$4,835/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,924/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,184
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,415
−HK$2,263/mo
Today · 4.125%
HK$87,678
baseline
▲ 0.50% · 4.625%
HK$92,300
+HK$4,622/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,356/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,136
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,127
−HK$3,038/mo
Today · 4.125%
HK$102,165
baseline
▲ 0.50% · 4.625%
HK$108,382
+HK$6,217/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,330/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,951
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,819
−HK$2,910/mo
Today · 4.125%
HK$112,729
baseline
▲ 0.50% · 4.625%
HK$118,671
+HK$5,942/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,458/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,453 · Scale 2, in force from 26 Feb 2026)