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$53,623
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,291
−HK$1,695/mo
Today · 4.125%
HK$56,986
baseline
▲ 0.50% · 4.625%
HK$60,454
+HK$3,468/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,972/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,655
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,255
−HK$1,623/mo
Today · 4.125%
HK$62,878
baseline
▲ 0.50% · 4.625%
HK$66,193
+HK$3,315/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,756/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,348
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,350
−HK$2,033/mo
Today · 4.125%
HK$68,383
baseline
▲ 0.50% · 4.625%
HK$72,544
+HK$4,161/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,766/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,587
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,507
−HK$1,947/mo
Today · 4.125%
HK$75,454
baseline
▲ 0.50% · 4.625%
HK$79,431
+HK$3,977/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,908/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,073
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,408
−HK$2,372/mo
Today · 4.125%
HK$79,780
baseline
▲ 0.50% · 4.625%
HK$84,635
+HK$4,855/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,560/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,518
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,758
−HK$2,272/mo
Today · 4.125%
HK$88,030
baseline
▲ 0.50% · 4.625%
HK$92,670
+HK$4,640/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,060/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,522
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,525
−HK$3,050/mo
Today · 4.125%
HK$102,575
baseline
▲ 0.50% · 4.625%
HK$108,816
+HK$6,241/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,150/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,380
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,260
−HK$2,921/mo
Today · 4.125%
HK$113,181
baseline
▲ 0.50% · 4.625%
HK$119,147
+HK$5,966/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,362/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,447 · Scale 2, in force from 26 Feb 2026)