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$53,465
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,128
−HK$1,689/mo
Today · 4.125%
HK$56,817
baseline
▲ 0.50% · 4.625%
HK$60,275
+HK$3,458/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,634/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,479
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,074
−HK$1,618/mo
Today · 4.125%
HK$62,692
baseline
▲ 0.50% · 4.625%
HK$65,997
+HK$3,305/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,384/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,158
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,153
−HK$2,028/mo
Today · 4.125%
HK$68,181
baseline
▲ 0.50% · 4.625%
HK$72,330
+HK$4,149/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,362/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,375
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,289
−HK$1,942/mo
Today · 4.125%
HK$75,231
baseline
▲ 0.50% · 4.625%
HK$79,196
+HK$3,965/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,462/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,851
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,179
−HK$2,365/mo
Today · 4.125%
HK$79,544
baseline
▲ 0.50% · 4.625%
HK$84,385
+HK$4,841/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,088/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,271
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,504
−HK$2,265/mo
Today · 4.125%
HK$87,769
baseline
▲ 0.50% · 4.625%
HK$92,396
+HK$4,627/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,538/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,237
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,230
−HK$3,041/mo
Today · 4.125%
HK$102,271
baseline
▲ 0.50% · 4.625%
HK$108,494
+HK$6,223/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,542/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,062
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,934
−HK$2,912/mo
Today · 4.125%
HK$112,846
baseline
▲ 0.50% · 4.625%
HK$118,795
+HK$5,949/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,692/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,490 · Scale 2, in force from 26 Feb 2026)