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$53,508
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,173
−HK$1,691/mo
Today · 4.125%
HK$56,864
baseline
▲ 0.50% · 4.625%
HK$60,324
+HK$3,460/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,728/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,527
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,124
−HK$1,619/mo
Today · 4.125%
HK$62,743
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,308/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,486/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,210
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,207
−HK$2,029/mo
Today · 4.125%
HK$68,236
baseline
▲ 0.50% · 4.625%
HK$72,388
+HK$4,152/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,472/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,433
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,349
−HK$1,943/mo
Today · 4.125%
HK$75,292
baseline
▲ 0.50% · 4.625%
HK$79,261
+HK$3,969/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,584/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,911
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,242
−HK$2,367/mo
Today · 4.125%
HK$79,609
baseline
▲ 0.50% · 4.625%
HK$84,453
+HK$4,844/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,218/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,338
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,573
−HK$2,268/mo
Today · 4.125%
HK$87,841
baseline
▲ 0.50% · 4.625%
HK$92,471
+HK$4,630/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,682/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,315
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,311
−HK$3,044/mo
Today · 4.125%
HK$102,355
baseline
▲ 0.50% · 4.625%
HK$108,583
+HK$6,228/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,710/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,149
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,023
−HK$2,915/mo
Today · 4.125%
HK$112,938
baseline
▲ 0.50% · 4.625%
HK$118,891
+HK$5,953/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,876/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,300 · Scale 2, in force from 26 Feb 2026)