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$53,630
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,298
−HK$1,695/mo
Today · 4.125%
HK$56,993
baseline
▲ 0.50% · 4.625%
HK$60,461
+HK$3,468/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$113,986/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,662
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,263
−HK$1,623/mo
Today · 4.125%
HK$62,886
baseline
▲ 0.50% · 4.625%
HK$66,201
+HK$3,315/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,772/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,356
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,357
−HK$2,034/mo
Today · 4.125%
HK$68,391
baseline
▲ 0.50% · 4.625%
HK$72,553
+HK$4,162/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,782/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,595
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,515
−HK$1,948/mo
Today · 4.125%
HK$75,463
baseline
▲ 0.50% · 4.625%
HK$79,441
+HK$3,978/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,926/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,082
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,417
−HK$2,373/mo
Today · 4.125%
HK$79,790
baseline
▲ 0.50% · 4.625%
HK$84,645
+HK$4,855/mo
Deposit HK$7.06M · loan HK$16.46M · min. income ≈ HK$159,580/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,527
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,768
−HK$2,272/mo
Today · 4.125%
HK$88,040
baseline
▲ 0.50% · 4.625%
HK$92,681
+HK$4,641/mo
Deposit HK$7.06M · loan HK$16.46M · min. income ≈ HK$176,080/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,533
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,536
−HK$3,051/mo
Today · 4.125%
HK$102,587
baseline
▲ 0.50% · 4.625%
HK$108,829
+HK$6,242/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,174/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,392
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,273
−HK$2,922/mo
Today · 4.125%
HK$113,195
baseline
▲ 0.50% · 4.625%
HK$119,161
+HK$5,966/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,390/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,564 · Scale 2, in force from 26 Feb 2026)