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$53,558
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,224
−HK$1,693/mo
Today · 4.125%
HK$56,917
baseline
▲ 0.50% · 4.625%
HK$60,380
+HK$3,463/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,834/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,583
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,181
−HK$1,621/mo
Today · 4.125%
HK$62,802
baseline
▲ 0.50% · 4.625%
HK$66,112
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,604/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,270
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,269
−HK$2,031/mo
Today · 4.125%
HK$68,300
baseline
▲ 0.50% · 4.625%
HK$72,456
+HK$4,156/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$136,600/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,499
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,417
−HK$1,945/mo
Today · 4.125%
HK$75,362
baseline
▲ 0.50% · 4.625%
HK$79,335
+HK$3,973/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$150,724/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,981
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,314
−HK$2,369/mo
Today · 4.125%
HK$79,683
baseline
▲ 0.50% · 4.625%
HK$84,532
+HK$4,849/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,366/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,416
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,653
−HK$2,269/mo
Today · 4.125%
HK$87,922
baseline
▲ 0.50% · 4.625%
HK$92,557
+HK$4,635/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,844/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,404
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,403
−HK$3,047/mo
Today · 4.125%
HK$102,450
baseline
▲ 0.50% · 4.625%
HK$108,684
+HK$6,234/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,900/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,249
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,125
−HK$2,918/mo
Today · 4.125%
HK$113,043
baseline
▲ 0.50% · 4.625%
HK$119,002
+HK$5,959/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,086/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,228 · Scale 2, in force from 26 Feb 2026)