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$53,535
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,200
−HK$1,692/mo
Today · 4.125%
HK$56,892
baseline
▲ 0.50% · 4.625%
HK$60,354
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,784/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,557
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,154
−HK$1,621/mo
Today · 4.125%
HK$62,775
baseline
▲ 0.50% · 4.625%
HK$66,083
+HK$3,308/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,550/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,242
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,240
−HK$2,030/mo
Today · 4.125%
HK$68,270
baseline
▲ 0.50% · 4.625%
HK$72,424
+HK$4,154/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,540/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,468
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,385
−HK$1,944/mo
Today · 4.125%
HK$75,329
baseline
▲ 0.50% · 4.625%
HK$79,300
+HK$3,971/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$997,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,949
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,280
−HK$2,369/mo
Today · 4.125%
HK$79,649
baseline
▲ 0.50% · 4.625%
HK$84,495
+HK$4,846/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,298/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,380
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,616
−HK$2,268/mo
Today · 4.125%
HK$87,884
baseline
▲ 0.50% · 4.625%
HK$92,517
+HK$4,633/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,768/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,363
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,360
−HK$3,045/mo
Today · 4.125%
HK$102,405
baseline
▲ 0.50% · 4.625%
HK$108,636
+HK$6,231/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,810/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,202
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,077
−HK$2,917/mo
Today · 4.125%
HK$112,994
baseline
▲ 0.50% · 4.625%
HK$118,950
+HK$5,956/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$225,988/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,794 · Scale 2, in force from 26 Feb 2026)