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$53,550
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,215
−HK$1,693/mo
Today · 4.125%
HK$56,908
baseline
▲ 0.50% · 4.625%
HK$60,370
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,816/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,573
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,171
−HK$1,621/mo
Today · 4.125%
HK$62,792
baseline
▲ 0.50% · 4.625%
HK$66,102
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,584/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,260
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,258
−HK$2,031/mo
Today · 4.125%
HK$68,289
baseline
▲ 0.50% · 4.625%
HK$72,444
+HK$4,155/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,578/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,488
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,405
−HK$1,945/mo
Today · 4.125%
HK$75,350
baseline
▲ 0.50% · 4.625%
HK$79,322
+HK$3,972/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,700/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,969
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,301
−HK$2,370/mo
Today · 4.125%
HK$79,671
baseline
▲ 0.50% · 4.625%
HK$84,518
+HK$4,847/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,342/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,403
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,640
−HK$2,269/mo
Today · 4.125%
HK$87,909
baseline
▲ 0.50% · 4.625%
HK$92,543
+HK$4,634/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,818/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,389
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,388
−HK$3,046/mo
Today · 4.125%
HK$102,434
baseline
▲ 0.50% · 4.625%
HK$108,667
+HK$6,233/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,868/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,232
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,108
−HK$2,918/mo
Today · 4.125%
HK$113,026
baseline
▲ 0.50% · 4.625%
HK$118,983
+HK$5,957/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,052/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,072 · Scale 2, in force from 26 Feb 2026)