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$53,651
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,320
−HK$1,696/mo
Today · 4.125%
HK$57,016
baseline
▲ 0.50% · 4.625%
HK$60,485
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,032/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,687
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,287
−HK$1,624/mo
Today · 4.125%
HK$62,911
baseline
▲ 0.50% · 4.625%
HK$66,228
+HK$3,317/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,822/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,382
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,384
−HK$2,035/mo
Today · 4.125%
HK$68,419
baseline
▲ 0.50% · 4.625%
HK$72,582
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,838/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,624
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,545
−HK$1,949/mo
Today · 4.125%
HK$75,494
baseline
▲ 0.50% · 4.625%
HK$79,473
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$150,988/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,112
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,448
−HK$2,374/mo
Today · 4.125%
HK$79,822
baseline
▲ 0.50% · 4.625%
HK$84,679
+HK$4,857/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,644/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,561
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,802
−HK$2,274/mo
Today · 4.125%
HK$88,076
baseline
▲ 0.50% · 4.625%
HK$92,719
+HK$4,643/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,152/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,573
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,577
−HK$3,052/mo
Today · 4.125%
HK$102,629
baseline
▲ 0.50% · 4.625%
HK$108,873
+HK$6,244/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,258/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,436
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,317
−HK$2,924/mo
Today · 4.125%
HK$113,241
baseline
▲ 0.50% · 4.625%
HK$119,210
+HK$5,969/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,482/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,970 · Scale 2, in force from 26 Feb 2026)