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$53,395
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,056
−HK$1,688/mo
Today · 4.125%
HK$56,744
baseline
▲ 0.50% · 4.625%
HK$60,196
+HK$3,452/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,488/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,402
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,995
−HK$1,616/mo
Today · 4.125%
HK$62,611
baseline
▲ 0.50% · 4.625%
HK$65,911
+HK$3,300/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,222/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,074
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,067
−HK$2,025/mo
Today · 4.125%
HK$68,092
baseline
▲ 0.50% · 4.625%
HK$72,236
+HK$4,144/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,184/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,282
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,194
−HK$1,939/mo
Today · 4.125%
HK$75,133
baseline
▲ 0.50% · 4.625%
HK$79,094
+HK$3,961/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,266/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,753
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,079
−HK$2,362/mo
Today · 4.125%
HK$79,441
baseline
▲ 0.50% · 4.625%
HK$84,275
+HK$4,834/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$158,882/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,162
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,393
−HK$2,262/mo
Today · 4.125%
HK$87,655
baseline
▲ 0.50% · 4.625%
HK$92,276
+HK$4,621/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$175,310/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,112
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,101
−HK$3,038/mo
Today · 4.125%
HK$102,139
baseline
▲ 0.50% · 4.625%
HK$108,353
+HK$6,214/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,278/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,923
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,791
−HK$2,909/mo
Today · 4.125%
HK$112,700
baseline
▲ 0.50% · 4.625%
HK$118,640
+HK$5,940/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,400/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,196 · Scale 2, in force from 26 Feb 2026)