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$53,429
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,091
−HK$1,688/mo
Today · 4.125%
HK$56,779
baseline
▲ 0.50% · 4.625%
HK$60,234
+HK$3,455/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,558/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,439
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,033
−HK$1,618/mo
Today · 4.125%
HK$62,651
baseline
▲ 0.50% · 4.625%
HK$65,953
+HK$3,302/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,302/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,115
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,109
−HK$2,026/mo
Today · 4.125%
HK$68,135
baseline
▲ 0.50% · 4.625%
HK$72,281
+HK$4,146/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,270/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,327
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,240
−HK$1,941/mo
Today · 4.125%
HK$75,181
baseline
▲ 0.50% · 4.625%
HK$79,144
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,362/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,801
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,127
−HK$2,364/mo
Today · 4.125%
HK$79,491
baseline
▲ 0.50% · 4.625%
HK$84,328
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,982/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,215
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,447
−HK$2,264/mo
Today · 4.125%
HK$87,711
baseline
▲ 0.50% · 4.625%
HK$92,334
+HK$4,623/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,422/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,172
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,164
−HK$3,039/mo
Today · 4.125%
HK$102,203
baseline
▲ 0.50% · 4.625%
HK$108,422
+HK$6,219/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,406/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,991
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,860
−HK$2,911/mo
Today · 4.125%
HK$112,771
baseline
▲ 0.50% · 4.625%
HK$118,715
+HK$5,944/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,542/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,824 · Scale 2, in force from 26 Feb 2026)