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$53,433
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,095
−HK$1,689/mo
Today · 4.125%
HK$56,784
baseline
▲ 0.50% · 4.625%
HK$60,239
+HK$3,455/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,568/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,444
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,038
−HK$1,617/mo
Today · 4.125%
HK$62,655
baseline
▲ 0.50% · 4.625%
HK$65,958
+HK$3,303/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,310/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,120
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,114
−HK$2,026/mo
Today · 4.125%
HK$68,140
baseline
▲ 0.50% · 4.625%
HK$72,287
+HK$4,147/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,280/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,332
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,245
−HK$1,941/mo
Today · 4.125%
HK$75,186
baseline
▲ 0.50% · 4.625%
HK$79,149
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,372/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,806
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,133
−HK$2,364/mo
Today · 4.125%
HK$79,497
baseline
▲ 0.50% · 4.625%
HK$84,334
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,994/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,221
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,453
−HK$2,264/mo
Today · 4.125%
HK$87,717
baseline
▲ 0.50% · 4.625%
HK$92,341
+HK$4,624/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,434/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,179
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,171
−HK$3,040/mo
Today · 4.125%
HK$102,211
baseline
▲ 0.50% · 4.625%
HK$108,430
+HK$6,219/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,422/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,999
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,868
−HK$2,911/mo
Today · 4.125%
HK$112,779
baseline
▲ 0.50% · 4.625%
HK$118,724
+HK$5,945/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,558/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,898 · Scale 2, in force from 26 Feb 2026)