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$53,496
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,160
−HK$1,690/mo
Today · 4.125%
HK$56,850
baseline
▲ 0.50% · 4.625%
HK$60,309
+HK$3,459/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,700/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,513
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,109
−HK$1,620/mo
Today · 4.125%
HK$62,729
baseline
▲ 0.50% · 4.625%
HK$66,035
+HK$3,306/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,458/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,195
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,191
−HK$2,029/mo
Today · 4.125%
HK$68,220
baseline
▲ 0.50% · 4.625%
HK$72,371
+HK$4,151/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$136,440/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,416
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,331
−HK$1,943/mo
Today · 4.125%
HK$75,274
baseline
▲ 0.50% · 4.625%
HK$79,242
+HK$3,968/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$150,548/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,894
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,223
−HK$2,367/mo
Today · 4.125%
HK$79,590
baseline
▲ 0.50% · 4.625%
HK$84,433
+HK$4,843/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,180/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,319
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,553
−HK$2,267/mo
Today · 4.125%
HK$87,820
baseline
▲ 0.50% · 4.625%
HK$92,449
+HK$4,629/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,640/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,292
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,287
−HK$3,043/mo
Today · 4.125%
HK$102,330
baseline
▲ 0.50% · 4.625%
HK$108,557
+HK$6,227/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$204,660/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,124
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,997
−HK$2,914/mo
Today · 4.125%
HK$112,911
baseline
▲ 0.50% · 4.625%
HK$118,863
+HK$5,952/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$225,822/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,064 · Scale 2, in force from 26 Feb 2026)