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$53,519
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,184
−HK$1,691/mo
Today · 4.125%
HK$56,875
baseline
▲ 0.50% · 4.625%
HK$60,336
+HK$3,461/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,750/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,539
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,136
−HK$1,620/mo
Today · 4.125%
HK$62,756
baseline
▲ 0.50% · 4.625%
HK$66,064
+HK$3,308/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,512/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,223
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,220
−HK$2,030/mo
Today · 4.125%
HK$68,250
baseline
▲ 0.50% · 4.625%
HK$72,403
+HK$4,153/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,500/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,447
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,363
−HK$1,944/mo
Today · 4.125%
HK$75,307
baseline
▲ 0.50% · 4.625%
HK$79,277
+HK$3,970/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,614/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,926
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,257
−HK$2,368/mo
Today · 4.125%
HK$79,625
baseline
▲ 0.50% · 4.625%
HK$84,470
+HK$4,845/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,250/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,355
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,590
−HK$2,268/mo
Today · 4.125%
HK$87,858
baseline
▲ 0.50% · 4.625%
HK$92,489
+HK$4,631/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,716/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,334
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,330
−HK$3,045/mo
Today · 4.125%
HK$102,375
baseline
▲ 0.50% · 4.625%
HK$108,604
+HK$6,229/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,750/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,170
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,045
−HK$2,916/mo
Today · 4.125%
HK$112,961
baseline
▲ 0.50% · 4.625%
HK$118,915
+HK$5,954/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,922/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,498 · Scale 2, in force from 26 Feb 2026)