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$53,544
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,210
−HK$1,692/mo
Today · 4.125%
HK$56,902
baseline
▲ 0.50% · 4.625%
HK$60,364
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,804/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,567
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,165
−HK$1,620/mo
Today · 4.125%
HK$62,785
baseline
▲ 0.50% · 4.625%
HK$66,095
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,570/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,253
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,252
−HK$2,030/mo
Today · 4.125%
HK$68,282
baseline
▲ 0.50% · 4.625%
HK$72,437
+HK$4,155/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,564/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,481
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,398
−HK$1,945/mo
Today · 4.125%
HK$75,343
baseline
▲ 0.50% · 4.625%
HK$79,314
+HK$3,971/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,686/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,962
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,293
−HK$2,369/mo
Today · 4.125%
HK$79,662
baseline
▲ 0.50% · 4.625%
HK$84,510
+HK$4,848/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$159,324/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,394
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,631
−HK$2,269/mo
Today · 4.125%
HK$87,900
baseline
▲ 0.50% · 4.625%
HK$92,533
+HK$4,633/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$175,800/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,379
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,377
−HK$3,046/mo
Today · 4.125%
HK$102,423
baseline
▲ 0.50% · 4.625%
HK$108,655
+HK$6,232/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,846/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,221
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,097
−HK$2,917/mo
Today · 4.125%
HK$113,014
baseline
▲ 0.50% · 4.625%
HK$118,971
+HK$5,957/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$226,028/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,969 · Scale 2, in force from 26 Feb 2026)