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$53,448
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,110
−HK$1,689/mo
Today · 4.125%
HK$56,799
baseline
▲ 0.50% · 4.625%
HK$60,255
+HK$3,456/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,598/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,460
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,055
−HK$1,617/mo
Today · 4.125%
HK$62,672
baseline
▲ 0.50% · 4.625%
HK$65,976
+HK$3,304/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,344/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,137
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,132
−HK$2,027/mo
Today · 4.125%
HK$68,159
baseline
▲ 0.50% · 4.625%
HK$72,306
+HK$4,147/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$136,318/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,352
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,266
−HK$1,941/mo
Today · 4.125%
HK$75,207
baseline
▲ 0.50% · 4.625%
HK$79,171
+HK$3,964/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$150,414/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,827
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,154
−HK$2,365/mo
Today · 4.125%
HK$79,519
baseline
▲ 0.50% · 4.625%
HK$84,358
+HK$4,839/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,038/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,244
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,476
−HK$2,265/mo
Today · 4.125%
HK$87,741
baseline
▲ 0.50% · 4.625%
HK$92,366
+HK$4,625/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,482/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,206
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,198
−HK$3,041/mo
Today · 4.125%
HK$102,239
baseline
▲ 0.50% · 4.625%
HK$108,460
+HK$6,221/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,478/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,028
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,898
−HK$2,912/mo
Today · 4.125%
HK$112,810
baseline
▲ 0.50% · 4.625%
HK$118,757
+HK$5,947/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,620/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,171 · Scale 2, in force from 26 Feb 2026)