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$53,540
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,206
−HK$1,692/mo
Today · 4.125%
HK$56,898
baseline
▲ 0.50% · 4.625%
HK$60,360
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,796/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,563
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,161
−HK$1,620/mo
Today · 4.125%
HK$62,781
baseline
▲ 0.50% · 4.625%
HK$66,090
+HK$3,309/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,562/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,249
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,247
−HK$2,030/mo
Today · 4.125%
HK$68,277
baseline
▲ 0.50% · 4.625%
HK$72,432
+HK$4,155/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,554/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,476
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,393
−HK$1,944/mo
Today · 4.125%
HK$75,337
baseline
▲ 0.50% · 4.625%
HK$79,309
+HK$3,972/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,674/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,957
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,288
−HK$2,369/mo
Today · 4.125%
HK$79,657
baseline
▲ 0.50% · 4.625%
HK$84,504
+HK$4,847/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$159,314/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,388
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,625
−HK$2,269/mo
Today · 4.125%
HK$87,894
baseline
▲ 0.50% · 4.625%
HK$92,527
+HK$4,633/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$175,788/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,373
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,371
−HK$3,045/mo
Today · 4.125%
HK$102,416
baseline
▲ 0.50% · 4.625%
HK$108,648
+HK$6,232/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,832/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,214
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,089
−HK$2,917/mo
Today · 4.125%
HK$113,006
baseline
▲ 0.50% · 4.625%
HK$118,963
+HK$5,957/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$226,012/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,901 · Scale 2, in force from 26 Feb 2026)