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$53,489
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,153
−HK$1,690/mo
Today · 4.125%
HK$56,843
baseline
▲ 0.50% · 4.625%
HK$60,302
+HK$3,459/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,686/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$996,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,506
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,102
−HK$1,619/mo
Today · 4.125%
HK$62,721
baseline
▲ 0.50% · 4.625%
HK$66,027
+HK$3,306/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,442/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$996,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,186
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,183
−HK$2,029/mo
Today · 4.125%
HK$68,212
baseline
▲ 0.50% · 4.625%
HK$72,362
+HK$4,150/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,424/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,407
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,322
−HK$1,943/mo
Today · 4.125%
HK$75,265
baseline
▲ 0.50% · 4.625%
HK$79,232
+HK$3,967/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,530/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,884
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,214
−HK$2,366/mo
Today · 4.125%
HK$79,580
baseline
▲ 0.50% · 4.625%
HK$84,422
+HK$4,842/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,160/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,308
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,542
−HK$2,267/mo
Today · 4.125%
HK$87,809
baseline
▲ 0.50% · 4.625%
HK$92,437
+HK$4,628/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,618/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,280
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,275
−HK$3,042/mo
Today · 4.125%
HK$102,317
baseline
▲ 0.50% · 4.625%
HK$108,543
+HK$6,226/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$204,634/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,110
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,983
−HK$2,914/mo
Today · 4.125%
HK$112,897
baseline
▲ 0.50% · 4.625%
HK$118,848
+HK$5,951/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$225,794/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,937 · Scale 2, in force from 26 Feb 2026)