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$53,553
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,219
−HK$1,692/mo
Today · 4.125%
HK$56,911
baseline
▲ 0.50% · 4.625%
HK$60,374
+HK$3,463/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,822/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,577
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,175
−HK$1,621/mo
Today · 4.125%
HK$62,796
baseline
▲ 0.50% · 4.625%
HK$66,106
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,592/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,264
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,262
−HK$2,031/mo
Today · 4.125%
HK$68,293
baseline
▲ 0.50% · 4.625%
HK$72,449
+HK$4,156/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,586/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,493
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,410
−HK$1,945/mo
Today · 4.125%
HK$75,355
baseline
▲ 0.50% · 4.625%
HK$79,327
+HK$3,972/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,710/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,974
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,306
−HK$2,370/mo
Today · 4.125%
HK$79,676
baseline
▲ 0.50% · 4.625%
HK$84,524
+HK$4,848/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,352/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,408
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,645
−HK$2,269/mo
Today · 4.125%
HK$87,914
baseline
▲ 0.50% · 4.625%
HK$92,548
+HK$4,634/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,828/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,395
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,394
−HK$3,046/mo
Today · 4.125%
HK$102,440
baseline
▲ 0.50% · 4.625%
HK$108,673
+HK$6,233/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,880/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,239
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,115
−HK$2,918/mo
Today · 4.125%
HK$113,033
baseline
▲ 0.50% · 4.625%
HK$118,991
+HK$5,958/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,066/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,134 · Scale 2, in force from 26 Feb 2026)