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$53,518
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,183
−HK$1,691/mo
Today · 4.125%
HK$56,874
baseline
▲ 0.50% · 4.625%
HK$60,335
+HK$3,461/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,748/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,538
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,135
−HK$1,620/mo
Today · 4.125%
HK$62,755
baseline
▲ 0.50% · 4.625%
HK$66,063
+HK$3,308/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,510/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,222
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,220
−HK$2,029/mo
Today · 4.125%
HK$68,249
baseline
▲ 0.50% · 4.625%
HK$72,402
+HK$4,153/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,498/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,446
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,362
−HK$1,944/mo
Today · 4.125%
HK$75,306
baseline
▲ 0.50% · 4.625%
HK$79,276
+HK$3,970/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,612/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,925
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,256
−HK$2,368/mo
Today · 4.125%
HK$79,624
baseline
▲ 0.50% · 4.625%
HK$84,469
+HK$4,845/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,248/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,354
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,589
−HK$2,268/mo
Today · 4.125%
HK$87,857
baseline
▲ 0.50% · 4.625%
HK$92,488
+HK$4,631/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,714/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,333
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,329
−HK$3,045/mo
Today · 4.125%
HK$102,374
baseline
▲ 0.50% · 4.625%
HK$108,603
+HK$6,229/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,748/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,169
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,043
−HK$2,916/mo
Today · 4.125%
HK$112,959
baseline
▲ 0.50% · 4.625%
HK$118,913
+HK$5,954/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,918/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,486 · Scale 2, in force from 26 Feb 2026)