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$53,383
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,043
−HK$1,687/mo
Today · 4.125%
HK$56,730
baseline
▲ 0.50% · 4.625%
HK$60,182
+HK$3,452/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,460/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,388
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,980
−HK$1,616/mo
Today · 4.125%
HK$62,596
baseline
▲ 0.50% · 4.625%
HK$65,896
+HK$3,300/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,192/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$994,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,059
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,052
−HK$2,024/mo
Today · 4.125%
HK$68,076
baseline
▲ 0.50% · 4.625%
HK$72,219
+HK$4,143/mo
Deposit HK$9.36M · loan HK$14.05M · min. income ≈ HK$136,152/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,265
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,176
−HK$1,939/mo
Today · 4.125%
HK$75,115
baseline
▲ 0.50% · 4.625%
HK$79,075
+HK$3,960/mo
Deposit HK$9.36M · loan HK$14.05M · min. income ≈ HK$150,230/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$994,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,736
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,060
−HK$2,362/mo
Today · 4.125%
HK$79,422
baseline
▲ 0.50% · 4.625%
HK$84,255
+HK$4,833/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$158,844/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,143
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,373
−HK$2,262/mo
Today · 4.125%
HK$87,635
baseline
▲ 0.50% · 4.625%
HK$92,254
+HK$4,619/mo
Deposit HK$7.02M · loan HK$16.39M · min. income ≈ HK$175,270/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$994,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,089
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,078
−HK$3,036/mo
Today · 4.125%
HK$102,114
baseline
▲ 0.50% · 4.625%
HK$108,328
+HK$6,214/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$204,228/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,898
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,765
−HK$2,908/mo
Today · 4.125%
HK$112,673
baseline
▲ 0.50% · 4.625%
HK$118,612
+HK$5,939/mo
Deposit HK$2.34M · loan HK$21.07M · min. income ≈ HK$225,346/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$994,960 · Scale 2, in force from 26 Feb 2026)