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$53,447
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,109
−HK$1,690/mo
Today · 4.125%
HK$56,799
baseline
▲ 0.50% · 4.625%
HK$60,255
+HK$3,456/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,598/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,459
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,054
−HK$1,618/mo
Today · 4.125%
HK$62,672
baseline
▲ 0.50% · 4.625%
HK$65,975
+HK$3,303/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,344/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,136
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,131
−HK$2,027/mo
Today · 4.125%
HK$68,158
baseline
▲ 0.50% · 4.625%
HK$72,306
+HK$4,148/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$136,316/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,351
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,265
−HK$1,941/mo
Today · 4.125%
HK$75,206
baseline
▲ 0.50% · 4.625%
HK$79,170
+HK$3,964/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$150,412/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,826
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,153
−HK$2,365/mo
Today · 4.125%
HK$79,518
baseline
▲ 0.50% · 4.625%
HK$84,356
+HK$4,838/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,036/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,243
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,475
−HK$2,265/mo
Today · 4.125%
HK$87,740
baseline
▲ 0.50% · 4.625%
HK$92,365
+HK$4,625/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,480/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,204
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,197
−HK$3,040/mo
Today · 4.125%
HK$102,237
baseline
▲ 0.50% · 4.625%
HK$108,458
+HK$6,221/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,474/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,027
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,897
−HK$2,912/mo
Today · 4.125%
HK$112,809
baseline
▲ 0.50% · 4.625%
HK$118,755
+HK$5,946/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,618/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,158 · Scale 2, in force from 26 Feb 2026)