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$53,543
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,209
−HK$1,692/mo
Today · 4.125%
HK$56,901
baseline
▲ 0.50% · 4.625%
HK$60,363
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,802/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,566
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,164
−HK$1,621/mo
Today · 4.125%
HK$62,785
baseline
▲ 0.50% · 4.625%
HK$66,094
+HK$3,309/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,570/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,252
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,251
−HK$2,030/mo
Today · 4.125%
HK$68,281
baseline
▲ 0.50% · 4.625%
HK$72,436
+HK$4,155/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,562/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,480
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,397
−HK$1,945/mo
Today · 4.125%
HK$75,342
baseline
▲ 0.50% · 4.625%
HK$79,313
+HK$3,971/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,684/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,961
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,292
−HK$2,369/mo
Today · 4.125%
HK$79,661
baseline
▲ 0.50% · 4.625%
HK$84,509
+HK$4,848/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$159,322/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,393
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,630
−HK$2,268/mo
Today · 4.125%
HK$87,898
baseline
▲ 0.50% · 4.625%
HK$92,532
+HK$4,634/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$175,796/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,378
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,376
−HK$3,046/mo
Today · 4.125%
HK$102,422
baseline
▲ 0.50% · 4.625%
HK$108,654
+HK$6,232/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,844/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,220
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,095
−HK$2,917/mo
Today · 4.125%
HK$113,012
baseline
▲ 0.50% · 4.625%
HK$118,969
+HK$5,957/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$226,024/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,955 · Scale 2, in force from 26 Feb 2026)