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$53,646
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,315
−HK$1,695/mo
Today · 4.125%
HK$57,010
baseline
▲ 0.50% · 4.625%
HK$60,479
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,020/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,681
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,281
−HK$1,624/mo
Today · 4.125%
HK$62,905
baseline
▲ 0.50% · 4.625%
HK$66,221
+HK$3,316/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,810/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,375
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,378
−HK$2,034/mo
Today · 4.125%
HK$68,412
baseline
▲ 0.50% · 4.625%
HK$72,575
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,824/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,617
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,538
−HK$1,948/mo
Today · 4.125%
HK$75,486
baseline
▲ 0.50% · 4.625%
HK$79,465
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$150,972/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,105
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,441
−HK$2,373/mo
Today · 4.125%
HK$79,814
baseline
▲ 0.50% · 4.625%
HK$84,671
+HK$4,857/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,628/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,553
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,794
−HK$2,273/mo
Today · 4.125%
HK$88,067
baseline
▲ 0.50% · 4.625%
HK$92,709
+HK$4,642/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,134/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,563
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,567
−HK$3,051/mo
Today · 4.125%
HK$102,618
baseline
▲ 0.50% · 4.625%
HK$108,862
+HK$6,244/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,236/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,425
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,306
−HK$2,923/mo
Today · 4.125%
HK$113,229
baseline
▲ 0.50% · 4.625%
HK$119,198
+HK$5,969/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,458/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,870 · Scale 2, in force from 26 Feb 2026)