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$53,432
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,094
−HK$1,688/mo
Today · 4.125%
HK$56,782
baseline
▲ 0.50% · 4.625%
HK$60,237
+HK$3,455/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,564/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,442
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,037
−HK$1,617/mo
Today · 4.125%
HK$62,654
baseline
▲ 0.50% · 4.625%
HK$65,956
+HK$3,302/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,308/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,118
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,113
−HK$2,026/mo
Today · 4.125%
HK$68,139
baseline
▲ 0.50% · 4.625%
HK$72,285
+HK$4,146/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,278/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,331
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,244
−HK$1,941/mo
Today · 4.125%
HK$75,185
baseline
▲ 0.50% · 4.625%
HK$79,148
+HK$3,963/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,370/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,804
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,131
−HK$2,364/mo
Today · 4.125%
HK$79,495
baseline
▲ 0.50% · 4.625%
HK$84,332
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,990/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,219
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,451
−HK$2,264/mo
Today · 4.125%
HK$87,715
baseline
▲ 0.50% · 4.625%
HK$92,339
+HK$4,624/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,430/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,177
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,169
−HK$3,039/mo
Today · 4.125%
HK$102,208
baseline
▲ 0.50% · 4.625%
HK$108,427
+HK$6,219/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,416/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,996
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,866
−HK$2,911/mo
Today · 4.125%
HK$112,777
baseline
▲ 0.50% · 4.625%
HK$118,721
+HK$5,944/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,554/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,875 · Scale 2, in force from 26 Feb 2026)