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$53,462
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,125
−HK$1,689/mo
Today · 4.125%
HK$56,814
baseline
▲ 0.50% · 4.625%
HK$60,271
+HK$3,457/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,628/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,476
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,071
−HK$1,618/mo
Today · 4.125%
HK$62,689
baseline
▲ 0.50% · 4.625%
HK$65,993
+HK$3,304/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,378/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,154
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,150
−HK$2,027/mo
Today · 4.125%
HK$68,177
baseline
▲ 0.50% · 4.625%
HK$72,326
+HK$4,149/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,354/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,371
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,285
−HK$1,942/mo
Today · 4.125%
HK$75,227
baseline
▲ 0.50% · 4.625%
HK$79,192
+HK$3,965/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,454/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,847
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,175
−HK$2,365/mo
Today · 4.125%
HK$79,540
baseline
▲ 0.50% · 4.625%
HK$84,380
+HK$4,840/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,080/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,266
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,499
−HK$2,266/mo
Today · 4.125%
HK$87,765
baseline
▲ 0.50% · 4.625%
HK$92,391
+HK$4,626/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,530/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,231
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,225
−HK$3,041/mo
Today · 4.125%
HK$102,266
baseline
▲ 0.50% · 4.625%
HK$108,488
+HK$6,222/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,532/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,056
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,928
−HK$2,912/mo
Today · 4.125%
HK$112,840
baseline
▲ 0.50% · 4.625%
HK$118,788
+HK$5,948/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,680/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,436 · Scale 2, in force from 26 Feb 2026)