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$53,450
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,113
−HK$1,689/mo
Today · 4.125%
HK$56,802
baseline
▲ 0.50% · 4.625%
HK$60,258
+HK$3,456/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,604/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,463
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,058
−HK$1,618/mo
Today · 4.125%
HK$62,676
baseline
▲ 0.50% · 4.625%
HK$65,979
+HK$3,303/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,352/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,140
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,136
−HK$2,027/mo
Today · 4.125%
HK$68,163
baseline
▲ 0.50% · 4.625%
HK$72,310
+HK$4,147/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$136,326/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,356
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,269
−HK$1,942/mo
Today · 4.125%
HK$75,211
baseline
▲ 0.50% · 4.625%
HK$79,175
+HK$3,964/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$150,422/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,830
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,158
−HK$2,365/mo
Today · 4.125%
HK$79,523
baseline
▲ 0.50% · 4.625%
HK$84,362
+HK$4,839/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,046/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,248
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,481
−HK$2,265/mo
Today · 4.125%
HK$87,746
baseline
▲ 0.50% · 4.625%
HK$92,371
+HK$4,625/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,492/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,211
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,203
−HK$3,041/mo
Today · 4.125%
HK$102,244
baseline
▲ 0.50% · 4.625%
HK$108,465
+HK$6,221/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,488/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,033
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,904
−HK$2,912/mo
Today · 4.125%
HK$112,816
baseline
▲ 0.50% · 4.625%
HK$118,763
+HK$5,947/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,632/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,221 · Scale 2, in force from 26 Feb 2026)