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$53,442
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,104
−HK$1,689/mo
Today · 4.125%
HK$56,793
baseline
▲ 0.50% · 4.625%
HK$60,249
+HK$3,456/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,586/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$996,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,453
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,048
−HK$1,618/mo
Today · 4.125%
HK$62,666
baseline
▲ 0.50% · 4.625%
HK$65,969
+HK$3,303/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,332/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$996,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,130
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,125
−HK$2,027/mo
Today · 4.125%
HK$68,152
baseline
▲ 0.50% · 4.625%
HK$72,299
+HK$4,147/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,304/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,344
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,258
−HK$1,941/mo
Today · 4.125%
HK$75,199
baseline
▲ 0.50% · 4.625%
HK$79,162
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,398/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,819
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,146
−HK$2,364/mo
Today · 4.125%
HK$79,510
baseline
▲ 0.50% · 4.625%
HK$84,348
+HK$4,838/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,020/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,235
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,467
−HK$2,265/mo
Today · 4.125%
HK$87,732
baseline
▲ 0.50% · 4.625%
HK$92,356
+HK$4,624/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,464/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,195
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,187
−HK$3,041/mo
Today · 4.125%
HK$102,228
baseline
▲ 0.50% · 4.625%
HK$108,448
+HK$6,220/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,456/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,016
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,886
−HK$2,912/mo
Today · 4.125%
HK$112,798
baseline
▲ 0.50% · 4.625%
HK$118,744
+HK$5,946/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,596/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,062 · Scale 2, in force from 26 Feb 2026)