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$53,403
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,064
−HK$1,688/mo
Today · 4.125%
HK$56,752
baseline
▲ 0.50% · 4.625%
HK$60,205
+HK$3,453/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,504/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,410
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,003
−HK$1,617/mo
Today · 4.125%
HK$62,620
baseline
▲ 0.50% · 4.625%
HK$65,921
+HK$3,301/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,240/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,083
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,077
−HK$2,025/mo
Today · 4.125%
HK$68,102
baseline
▲ 0.50% · 4.625%
HK$72,246
+HK$4,144/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,204/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,292
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,204
−HK$1,940/mo
Today · 4.125%
HK$75,144
baseline
▲ 0.50% · 4.625%
HK$79,105
+HK$3,961/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,288/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,764
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,089
−HK$2,363/mo
Today · 4.125%
HK$79,452
baseline
▲ 0.50% · 4.625%
HK$84,287
+HK$4,835/mo
Deposit HK$7.03M · loan HK$16.39M · min. income ≈ HK$158,904/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,174
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,405
−HK$2,263/mo
Today · 4.125%
HK$87,668
baseline
▲ 0.50% · 4.625%
HK$92,289
+HK$4,621/mo
Deposit HK$7.03M · loan HK$16.39M · min. income ≈ HK$175,336/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,125
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,115
−HK$3,038/mo
Today · 4.125%
HK$102,153
baseline
▲ 0.50% · 4.625%
HK$108,369
+HK$6,216/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,306/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,938
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,806
−HK$2,910/mo
Today · 4.125%
HK$112,716
baseline
▲ 0.50% · 4.625%
HK$118,657
+HK$5,941/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,432/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,335 · Scale 2, in force from 26 Feb 2026)