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$53,547
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,213
−HK$1,692/mo
Today · 4.125%
HK$56,905
baseline
▲ 0.50% · 4.625%
HK$60,367
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,810/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,571
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,168
−HK$1,621/mo
Today · 4.125%
HK$62,789
baseline
▲ 0.50% · 4.625%
HK$66,099
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,578/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,256
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,255
−HK$2,031/mo
Today · 4.125%
HK$68,286
baseline
▲ 0.50% · 4.625%
HK$72,441
+HK$4,155/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,572/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,485
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,402
−HK$1,945/mo
Today · 4.125%
HK$75,347
baseline
▲ 0.50% · 4.625%
HK$79,318
+HK$3,971/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,694/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,966
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,298
−HK$2,369/mo
Today · 4.125%
HK$79,667
baseline
▲ 0.50% · 4.625%
HK$84,514
+HK$4,847/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$159,334/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,399
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,635
−HK$2,270/mo
Today · 4.125%
HK$87,905
baseline
▲ 0.50% · 4.625%
HK$92,538
+HK$4,633/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$175,810/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,385
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,383
−HK$3,046/mo
Today · 4.125%
HK$102,429
baseline
▲ 0.50% · 4.625%
HK$108,661
+HK$6,232/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,858/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,227
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,103
−HK$2,917/mo
Today · 4.125%
HK$113,020
baseline
▲ 0.50% · 4.625%
HK$118,978
+HK$5,958/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$226,040/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,024 · Scale 2, in force from 26 Feb 2026)