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$53,487
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,150
−HK$1,691/mo
Today · 4.125%
HK$56,841
baseline
▲ 0.50% · 4.625%
HK$60,299
+HK$3,458/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,682/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$996,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,503
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,099
−HK$1,619/mo
Today · 4.125%
HK$62,718
baseline
▲ 0.50% · 4.625%
HK$66,024
+HK$3,306/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,436/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$996,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,184
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,180
−HK$2,029/mo
Today · 4.125%
HK$68,209
baseline
▲ 0.50% · 4.625%
HK$72,359
+HK$4,150/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,418/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,404
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,319
−HK$1,943/mo
Today · 4.125%
HK$75,262
baseline
▲ 0.50% · 4.625%
HK$79,229
+HK$3,967/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,524/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,881
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,210
−HK$2,367/mo
Today · 4.125%
HK$79,577
baseline
▲ 0.50% · 4.625%
HK$84,419
+HK$4,842/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,154/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,305
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,539
−HK$2,266/mo
Today · 4.125%
HK$87,805
baseline
▲ 0.50% · 4.625%
HK$92,434
+HK$4,629/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,610/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,276
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,270
−HK$3,043/mo
Today · 4.125%
HK$102,313
baseline
▲ 0.50% · 4.625%
HK$108,539
+HK$6,226/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$204,626/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,106
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,978
−HK$2,914/mo
Today · 4.125%
HK$112,892
baseline
▲ 0.50% · 4.625%
HK$118,843
+HK$5,951/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$225,784/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,896 · Scale 2, in force from 26 Feb 2026)