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$53,551
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,216
−HK$1,693/mo
Today · 4.125%
HK$56,909
baseline
▲ 0.50% · 4.625%
HK$60,371
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,818/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,574
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,172
−HK$1,621/mo
Today · 4.125%
HK$62,793
baseline
▲ 0.50% · 4.625%
HK$66,103
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,586/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,261
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,259
−HK$2,031/mo
Today · 4.125%
HK$68,290
baseline
▲ 0.50% · 4.625%
HK$72,446
+HK$4,156/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,580/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,489
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,407
−HK$1,945/mo
Today · 4.125%
HK$75,352
baseline
▲ 0.50% · 4.625%
HK$79,324
+HK$3,972/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,704/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,971
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,303
−HK$2,369/mo
Today · 4.125%
HK$79,672
baseline
▲ 0.50% · 4.625%
HK$84,520
+HK$4,848/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,344/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,404
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,641
−HK$2,269/mo
Today · 4.125%
HK$87,910
baseline
▲ 0.50% · 4.625%
HK$92,544
+HK$4,634/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,820/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,391
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,389
−HK$3,046/mo
Today · 4.125%
HK$102,435
baseline
▲ 0.50% · 4.625%
HK$108,668
+HK$6,233/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,870/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,234
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,110
−HK$2,917/mo
Today · 4.125%
HK$113,027
baseline
▲ 0.50% · 4.625%
HK$118,985
+HK$5,958/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,054/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,088 · Scale 2, in force from 26 Feb 2026)