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$55,090
−HK$1,689/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$995,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,439
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,033
−HK$1,617/mo
Today · 4.125%
HK$62,650
baseline
▲ 0.50% · 4.625%
HK$65,952
+HK$3,302/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,300/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,114
−HK$4,021/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$995,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,326
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,239
−HK$1,941/mo
Today · 4.125%
HK$75,180
baseline
▲ 0.50% · 4.625%
HK$79,143
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,360/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,800
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,127
−HK$2,364/mo
Today · 4.125%
HK$79,491
baseline
▲ 0.50% · 4.625%
HK$84,327
+HK$4,836/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$995,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,214
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,446
−HK$2,264/mo
Today · 4.125%
HK$87,710
baseline
▲ 0.50% · 4.625%
HK$92,333
+HK$4,623/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,420/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,171
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,163
−HK$3,039/mo
Today · 4.125%
HK$102,202
baseline
▲ 0.50% · 4.625%
HK$108,421
+HK$6,219/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,404/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,990
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,859
−HK$2,911/mo
Today · 4.125%
HK$112,770
baseline
▲ 0.50% · 4.625%
HK$118,714
+HK$5,944/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,540/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,815 · Scale 2, in force from 26 Feb 2026)