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$53,552
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,218
−HK$1,692/mo
Today · 4.125%
HK$56,910
baseline
▲ 0.50% · 4.625%
HK$60,373
+HK$3,463/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,820/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,576
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,174
−HK$1,621/mo
Today · 4.125%
HK$62,795
baseline
▲ 0.50% · 4.625%
HK$66,105
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,590/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,262
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,261
−HK$2,031/mo
Today · 4.125%
HK$68,292
baseline
▲ 0.50% · 4.625%
HK$72,448
+HK$4,156/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,584/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,491
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,409
−HK$1,945/mo
Today · 4.125%
HK$75,354
baseline
▲ 0.50% · 4.625%
HK$79,326
+HK$3,972/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,708/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,973
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,305
−HK$2,369/mo
Today · 4.125%
HK$79,674
baseline
▲ 0.50% · 4.625%
HK$84,522
+HK$4,848/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,348/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,406
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,643
−HK$2,270/mo
Today · 4.125%
HK$87,913
baseline
▲ 0.50% · 4.625%
HK$92,547
+HK$4,634/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,826/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,393
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,392
−HK$3,046/mo
Today · 4.125%
HK$102,438
baseline
▲ 0.50% · 4.625%
HK$108,671
+HK$6,233/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,876/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,237
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,113
−HK$2,917/mo
Today · 4.125%
HK$113,030
baseline
▲ 0.50% · 4.625%
HK$118,988
+HK$5,958/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,060/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,115 · Scale 2, in force from 26 Feb 2026)