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$53,391
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,051
−HK$1,688/mo
Today · 4.125%
HK$56,739
baseline
▲ 0.50% · 4.625%
HK$60,191
+HK$3,452/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,478/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,397
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,989
−HK$1,617/mo
Today · 4.125%
HK$62,606
baseline
▲ 0.50% · 4.625%
HK$65,906
+HK$3,300/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,212/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$995,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,069
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,062
−HK$2,024/mo
Today · 4.125%
HK$68,086
baseline
▲ 0.50% · 4.625%
HK$72,229
+HK$4,143/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,172/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,276
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,187
−HK$1,940/mo
Today · 4.125%
HK$75,127
baseline
▲ 0.50% · 4.625%
HK$79,087
+HK$3,960/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,254/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,747
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,072
−HK$2,362/mo
Today · 4.125%
HK$79,434
baseline
▲ 0.50% · 4.625%
HK$84,268
+HK$4,834/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$158,868/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,155
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,385
−HK$2,263/mo
Today · 4.125%
HK$87,648
baseline
▲ 0.50% · 4.625%
HK$92,268
+HK$4,620/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$175,296/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,103
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,092
−HK$3,038/mo
Today · 4.125%
HK$102,130
baseline
▲ 0.50% · 4.625%
HK$108,344
+HK$6,214/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,260/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,914
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,781
−HK$2,909/mo
Today · 4.125%
HK$112,690
baseline
▲ 0.50% · 4.625%
HK$118,630
+HK$5,940/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,380/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,108 · Scale 2, in force from 26 Feb 2026)