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$53,421
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,083
−HK$1,688/mo
Today · 4.125%
HK$56,771
baseline
▲ 0.50% · 4.625%
HK$60,225
+HK$3,454/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,542/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,430
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,024
−HK$1,617/mo
Today · 4.125%
HK$62,641
baseline
▲ 0.50% · 4.625%
HK$65,943
+HK$3,302/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,282/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,105
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,099
−HK$2,026/mo
Today · 4.125%
HK$68,125
baseline
▲ 0.50% · 4.625%
HK$72,270
+HK$4,145/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,250/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,316
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,229
−HK$1,940/mo
Today · 4.125%
HK$75,169
baseline
▲ 0.50% · 4.625%
HK$79,132
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,338/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,789
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,116
−HK$2,363/mo
Today · 4.125%
HK$79,479
baseline
▲ 0.50% · 4.625%
HK$84,316
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,958/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,203
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,434
−HK$2,264/mo
Today · 4.125%
HK$87,698
baseline
▲ 0.50% · 4.625%
HK$92,320
+HK$4,622/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,396/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,158
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,149
−HK$3,039/mo
Today · 4.125%
HK$102,188
baseline
▲ 0.50% · 4.625%
HK$108,406
+HK$6,218/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,376/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,975
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,844
−HK$2,910/mo
Today · 4.125%
HK$112,754
baseline
▲ 0.50% · 4.625%
HK$118,698
+HK$5,944/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,508/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,675 · Scale 2, in force from 26 Feb 2026)