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$53,502
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,166
−HK$1,691/mo
Today · 4.125%
HK$56,857
baseline
▲ 0.50% · 4.625%
HK$60,317
+HK$3,460/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,714/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,521
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,117
−HK$1,619/mo
Today · 4.125%
HK$62,736
baseline
▲ 0.50% · 4.625%
HK$66,043
+HK$3,307/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,472/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,203
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,200
−HK$2,029/mo
Today · 4.125%
HK$68,229
baseline
▲ 0.50% · 4.625%
HK$72,380
+HK$4,151/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,458/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,425
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,340
−HK$1,944/mo
Today · 4.125%
HK$75,284
baseline
▲ 0.50% · 4.625%
HK$79,252
+HK$3,968/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,568/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,903
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,233
−HK$2,367/mo
Today · 4.125%
HK$79,600
baseline
▲ 0.50% · 4.625%
HK$84,443
+HK$4,843/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,200/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,329
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,564
−HK$2,267/mo
Today · 4.125%
HK$87,831
baseline
▲ 0.50% · 4.625%
HK$92,460
+HK$4,629/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,662/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,304
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,299
−HK$3,044/mo
Today · 4.125%
HK$102,343
baseline
▲ 0.50% · 4.625%
HK$108,570
+HK$6,227/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,686/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,137
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,010
−HK$2,915/mo
Today · 4.125%
HK$112,925
baseline
▲ 0.50% · 4.625%
HK$118,878
+HK$5,953/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,850/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,186 · Scale 2, in force from 26 Feb 2026)