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$53,407
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,069
−HK$1,687/mo
Today · 4.125%
HK$56,756
baseline
▲ 0.50% · 4.625%
HK$60,210
+HK$3,454/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,512/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,415
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,009
−HK$1,616/mo
Today · 4.125%
HK$62,625
baseline
▲ 0.50% · 4.625%
HK$65,926
+HK$3,301/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,250/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,089
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,082
−HK$2,026/mo
Today · 4.125%
HK$68,108
baseline
▲ 0.50% · 4.625%
HK$72,252
+HK$4,144/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,216/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,298
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,210
−HK$1,940/mo
Today · 4.125%
HK$75,150
baseline
▲ 0.50% · 4.625%
HK$79,112
+HK$3,962/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,300/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,770
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,096
−HK$2,363/mo
Today · 4.125%
HK$79,459
baseline
▲ 0.50% · 4.625%
HK$84,294
+HK$4,835/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,918/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,181
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,412
−HK$2,263/mo
Today · 4.125%
HK$87,675
baseline
▲ 0.50% · 4.625%
HK$92,297
+HK$4,622/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,350/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,133
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,124
−HK$3,038/mo
Today · 4.125%
HK$102,162
baseline
▲ 0.50% · 4.625%
HK$108,378
+HK$6,216/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,324/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,947
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,816
−HK$2,909/mo
Today · 4.125%
HK$112,725
baseline
▲ 0.50% · 4.625%
HK$118,667
+HK$5,942/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,450/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,421 · Scale 2, in force from 26 Feb 2026)