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$53,537
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,202
−HK$1,692/mo
Today · 4.125%
HK$56,894
baseline
▲ 0.50% · 4.625%
HK$60,356
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,788/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,559
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,157
−HK$1,620/mo
Today · 4.125%
HK$62,777
baseline
▲ 0.50% · 4.625%
HK$66,086
+HK$3,309/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,554/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,244
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,243
−HK$2,030/mo
Today · 4.125%
HK$68,273
baseline
▲ 0.50% · 4.625%
HK$72,427
+HK$4,154/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,546/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,471
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,388
−HK$1,945/mo
Today · 4.125%
HK$75,333
baseline
▲ 0.50% · 4.625%
HK$79,304
+HK$3,971/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,666/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,952
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,283
−HK$2,369/mo
Today · 4.125%
HK$79,652
baseline
▲ 0.50% · 4.625%
HK$84,499
+HK$4,847/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,304/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,383
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,619
−HK$2,269/mo
Today · 4.125%
HK$87,888
baseline
▲ 0.50% · 4.625%
HK$92,521
+HK$4,633/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,776/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,367
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,364
−HK$3,046/mo
Today · 4.125%
HK$102,410
baseline
▲ 0.50% · 4.625%
HK$108,641
+HK$6,231/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,820/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,207
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,082
−HK$2,917/mo
Today · 4.125%
HK$112,999
baseline
▲ 0.50% · 4.625%
HK$118,955
+HK$5,956/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$225,998/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,837 · Scale 2, in force from 26 Feb 2026)