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$53,627
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,296
−HK$1,694/mo
Today · 4.125%
HK$56,990
baseline
▲ 0.50% · 4.625%
HK$60,458
+HK$3,468/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,980/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,660
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,260
−HK$1,623/mo
Today · 4.125%
HK$62,883
baseline
▲ 0.50% · 4.625%
HK$66,198
+HK$3,315/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,766/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,353
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,355
−HK$2,033/mo
Today · 4.125%
HK$68,388
baseline
▲ 0.50% · 4.625%
HK$72,550
+HK$4,162/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,776/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,592
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,512
−HK$1,948/mo
Today · 4.125%
HK$75,460
baseline
▲ 0.50% · 4.625%
HK$79,438
+HK$3,978/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,920/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,078
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,414
−HK$2,373/mo
Today · 4.125%
HK$79,787
baseline
▲ 0.50% · 4.625%
HK$84,641
+HK$4,854/mo
Deposit HK$7.06M · loan HK$16.46M · min. income ≈ HK$159,574/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,524
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,764
−HK$2,273/mo
Today · 4.125%
HK$88,037
baseline
▲ 0.50% · 4.625%
HK$92,677
+HK$4,640/mo
Deposit HK$7.06M · loan HK$16.46M · min. income ≈ HK$176,074/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,529
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,532
−HK$3,051/mo
Today · 4.125%
HK$102,583
baseline
▲ 0.50% · 4.625%
HK$108,825
+HK$6,242/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,166/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,388
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,268
−HK$2,922/mo
Today · 4.125%
HK$113,190
baseline
▲ 0.50% · 4.625%
HK$119,156
+HK$5,966/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,380/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,523 · Scale 2, in force from 26 Feb 2026)