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$53,529
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,195
−HK$1,691/mo
Today · 4.125%
HK$56,886
baseline
▲ 0.50% · 4.625%
HK$60,348
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,772/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,551
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,148
−HK$1,620/mo
Today · 4.125%
HK$62,768
baseline
▲ 0.50% · 4.625%
HK$66,077
+HK$3,309/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,536/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,235
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,233
−HK$2,031/mo
Today · 4.125%
HK$68,264
baseline
▲ 0.50% · 4.625%
HK$72,417
+HK$4,153/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,528/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,461
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,378
−HK$1,944/mo
Today · 4.125%
HK$75,322
baseline
▲ 0.50% · 4.625%
HK$79,292
+HK$3,970/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,644/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,941
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,272
−HK$2,369/mo
Today · 4.125%
HK$79,641
baseline
▲ 0.50% · 4.625%
HK$84,487
+HK$4,846/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,282/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,371
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,607
−HK$2,269/mo
Today · 4.125%
HK$87,876
baseline
▲ 0.50% · 4.625%
HK$92,508
+HK$4,632/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,752/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,353
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,350
−HK$3,045/mo
Today · 4.125%
HK$102,395
baseline
▲ 0.50% · 4.625%
HK$108,626
+HK$6,231/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,790/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,192
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,067
−HK$2,916/mo
Today · 4.125%
HK$112,983
baseline
▲ 0.50% · 4.625%
HK$118,939
+HK$5,956/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$225,966/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,697 · Scale 2, in force from 26 Feb 2026)