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$53,467
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,131
−HK$1,689/mo
Today · 4.125%
HK$56,820
baseline
▲ 0.50% · 4.625%
HK$60,278
+HK$3,458/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,640/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,482
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,077
−HK$1,619/mo
Today · 4.125%
HK$62,696
baseline
▲ 0.50% · 4.625%
HK$66,000
+HK$3,304/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,392/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,161
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,157
−HK$2,027/mo
Today · 4.125%
HK$68,184
baseline
▲ 0.50% · 4.625%
HK$72,333
+HK$4,149/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,368/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,378
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,293
−HK$1,942/mo
Today · 4.125%
HK$75,235
baseline
▲ 0.50% · 4.625%
HK$79,200
+HK$3,965/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,470/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,854
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,183
−HK$2,365/mo
Today · 4.125%
HK$79,548
baseline
▲ 0.50% · 4.625%
HK$84,389
+HK$4,841/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,096/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,275
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,508
−HK$2,266/mo
Today · 4.125%
HK$87,774
baseline
▲ 0.50% · 4.625%
HK$92,400
+HK$4,626/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,548/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,241
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,235
−HK$3,041/mo
Today · 4.125%
HK$102,276
baseline
▲ 0.50% · 4.625%
HK$108,500
+HK$6,224/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,552/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,067
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$109,939
−HK$2,913/mo
Today · 4.125%
HK$112,852
baseline
▲ 0.50% · 4.625%
HK$118,801
+HK$5,949/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,704/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,539 · Scale 2, in force from 26 Feb 2026)