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$53,525
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,190
−HK$1,691/mo
Today · 4.125%
HK$56,881
baseline
▲ 0.50% · 4.625%
HK$60,342
+HK$3,461/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,762/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,546
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,143
−HK$1,620/mo
Today · 4.125%
HK$62,763
baseline
▲ 0.50% · 4.625%
HK$66,071
+HK$3,308/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,526/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,230
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,227
−HK$2,030/mo
Today · 4.125%
HK$68,257
baseline
▲ 0.50% · 4.625%
HK$72,411
+HK$4,154/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,514/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,455
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,371
−HK$1,944/mo
Today · 4.125%
HK$75,315
baseline
▲ 0.50% · 4.625%
HK$79,285
+HK$3,970/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,630/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,934
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,265
−HK$2,369/mo
Today · 4.125%
HK$79,634
baseline
▲ 0.50% · 4.625%
HK$84,479
+HK$4,845/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,268/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,364
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,600
−HK$2,268/mo
Today · 4.125%
HK$87,868
baseline
▲ 0.50% · 4.625%
HK$92,499
+HK$4,631/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,736/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,344
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,341
−HK$3,045/mo
Today · 4.125%
HK$102,386
baseline
▲ 0.50% · 4.625%
HK$108,616
+HK$6,230/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,772/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,182
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,057
−HK$2,916/mo
Today · 4.125%
HK$112,973
baseline
▲ 0.50% · 4.625%
HK$118,928
+HK$5,955/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$225,946/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,606 · Scale 2, in force from 26 Feb 2026)