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$53,469
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,132
−HK$1,690/mo
Today · 4.125%
HK$56,822
baseline
▲ 0.50% · 4.625%
HK$60,279
+HK$3,457/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,644/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,483
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,079
−HK$1,618/mo
Today · 4.125%
HK$62,697
baseline
▲ 0.50% · 4.625%
HK$66,002
+HK$3,305/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,394/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,163
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,158
−HK$2,028/mo
Today · 4.125%
HK$68,186
baseline
▲ 0.50% · 4.625%
HK$72,335
+HK$4,149/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,372/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,380
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,295
−HK$1,942/mo
Today · 4.125%
HK$75,237
baseline
▲ 0.50% · 4.625%
HK$79,202
+HK$3,965/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,474/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,856
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,185
−HK$2,365/mo
Today · 4.125%
HK$79,550
baseline
▲ 0.50% · 4.625%
HK$84,391
+HK$4,841/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,100/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,277
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,510
−HK$2,266/mo
Today · 4.125%
HK$87,776
baseline
▲ 0.50% · 4.625%
HK$92,403
+HK$4,627/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,552/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,244
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,238
−HK$3,041/mo
Today · 4.125%
HK$102,279
baseline
▲ 0.50% · 4.625%
HK$108,503
+HK$6,224/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,558/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,070
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$109,942
−HK$2,913/mo
Today · 4.125%
HK$112,855
baseline
▲ 0.50% · 4.625%
HK$118,804
+HK$5,949/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,710/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,565 · Scale 2, in force from 26 Feb 2026)