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$53,534
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,199
−HK$1,692/mo
Today · 4.125%
HK$56,891
baseline
▲ 0.50% · 4.625%
HK$60,353
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,782/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,556
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,153
−HK$1,621/mo
Today · 4.125%
HK$62,774
baseline
▲ 0.50% · 4.625%
HK$66,083
+HK$3,309/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,548/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,241
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,239
−HK$2,030/mo
Today · 4.125%
HK$68,269
baseline
▲ 0.50% · 4.625%
HK$72,423
+HK$4,154/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,538/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,467
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,384
−HK$1,945/mo
Today · 4.125%
HK$75,329
baseline
▲ 0.50% · 4.625%
HK$79,299
+HK$3,970/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,658/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,948
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,279
−HK$2,369/mo
Today · 4.125%
HK$79,648
baseline
▲ 0.50% · 4.625%
HK$84,494
+HK$4,846/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,296/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,379
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,615
−HK$2,268/mo
Today · 4.125%
HK$87,883
baseline
▲ 0.50% · 4.625%
HK$92,516
+HK$4,633/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,766/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,361
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,359
−HK$3,045/mo
Today · 4.125%
HK$102,404
baseline
▲ 0.50% · 4.625%
HK$108,635
+HK$6,231/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,808/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,201
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,076
−HK$2,917/mo
Today · 4.125%
HK$112,993
baseline
▲ 0.50% · 4.625%
HK$118,949
+HK$5,956/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$225,986/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,783 · Scale 2, in force from 26 Feb 2026)