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$53,491
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,155
−HK$1,690/mo
Today · 4.125%
HK$56,845
baseline
▲ 0.50% · 4.625%
HK$60,304
+HK$3,459/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,690/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$996,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,508
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,104
−HK$1,619/mo
Today · 4.125%
HK$62,723
baseline
▲ 0.50% · 4.625%
HK$66,030
+HK$3,307/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,446/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$996,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,189
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,186
−HK$2,029/mo
Today · 4.125%
HK$68,215
baseline
▲ 0.50% · 4.625%
HK$72,365
+HK$4,150/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$136,430/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,410
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,325
−HK$1,943/mo
Today · 4.125%
HK$75,268
baseline
▲ 0.50% · 4.625%
HK$79,236
+HK$3,968/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$150,536/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,888
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,217
−HK$2,367/mo
Today · 4.125%
HK$79,584
baseline
▲ 0.50% · 4.625%
HK$84,426
+HK$4,842/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,168/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,312
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,546
−HK$2,267/mo
Today · 4.125%
HK$87,813
baseline
▲ 0.50% · 4.625%
HK$92,441
+HK$4,628/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,626/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,284
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,279
−HK$3,043/mo
Today · 4.125%
HK$102,322
baseline
▲ 0.50% · 4.625%
HK$108,548
+HK$6,226/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$204,644/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,115
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,988
−HK$2,914/mo
Today · 4.125%
HK$112,902
baseline
▲ 0.50% · 4.625%
HK$118,853
+HK$5,951/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$225,804/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,981 · Scale 2, in force from 26 Feb 2026)