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$53,327
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,985
−HK$1,686/mo
Today · 4.125%
HK$56,671
baseline
▲ 0.50% · 4.625%
HK$60,119
+HK$3,448/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,342/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,325
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,916
−HK$1,615/mo
Today · 4.125%
HK$62,531
baseline
▲ 0.50% · 4.625%
HK$65,827
+HK$3,296/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,062/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,992
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,983
−HK$2,022/mo
Today · 4.125%
HK$68,005
baseline
▲ 0.50% · 4.625%
HK$72,143
+HK$4,138/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$136,010/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,190
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,100
−HK$1,937/mo
Today · 4.125%
HK$75,037
baseline
▲ 0.50% · 4.625%
HK$78,992
+HK$3,955/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,074/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,657
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,980
−HK$2,359/mo
Today · 4.125%
HK$79,339
baseline
▲ 0.50% · 4.625%
HK$84,167
+HK$4,828/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,678/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,056
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,283
−HK$2,260/mo
Today · 4.125%
HK$87,543
baseline
▲ 0.50% · 4.625%
HK$92,157
+HK$4,614/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,086/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,988
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,974
−HK$3,033/mo
Today · 4.125%
HK$102,007
baseline
▲ 0.50% · 4.625%
HK$108,214
+HK$6,207/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,014/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,786
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,650
−HK$2,905/mo
Today · 4.125%
HK$112,555
baseline
▲ 0.50% · 4.625%
HK$118,488
+HK$5,933/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,110/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,917 · Scale 2, in force from 26 Feb 2026)