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$53,506
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,170
−HK$1,691/mo
Today · 4.125%
HK$56,861
baseline
▲ 0.50% · 4.625%
HK$60,321
+HK$3,460/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,722/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,525
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,121
−HK$1,620/mo
Today · 4.125%
HK$62,741
baseline
▲ 0.50% · 4.625%
HK$66,048
+HK$3,307/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,482/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,207
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,204
−HK$2,029/mo
Today · 4.125%
HK$68,233
baseline
▲ 0.50% · 4.625%
HK$72,385
+HK$4,152/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,466/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,429
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,345
−HK$1,944/mo
Today · 4.125%
HK$75,289
baseline
▲ 0.50% · 4.625%
HK$79,257
+HK$3,968/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,578/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,908
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,238
−HK$2,367/mo
Today · 4.125%
HK$79,605
baseline
▲ 0.50% · 4.625%
HK$84,449
+HK$4,844/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,210/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,334
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,569
−HK$2,268/mo
Today · 4.125%
HK$87,837
baseline
▲ 0.50% · 4.625%
HK$92,467
+HK$4,630/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,674/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,310
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,306
−HK$3,044/mo
Today · 4.125%
HK$102,350
baseline
▲ 0.50% · 4.625%
HK$108,578
+HK$6,228/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,700/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,144
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,018
−HK$2,915/mo
Today · 4.125%
HK$112,933
baseline
▲ 0.50% · 4.625%
HK$118,886
+HK$5,953/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,866/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,254 · Scale 2, in force from 26 Feb 2026)