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$53,543
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,209
−HK$1,692/mo
Today · 4.125%
HK$56,901
baseline
▲ 0.50% · 4.625%
HK$60,363
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,802/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,566
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,164
−HK$1,620/mo
Today · 4.125%
HK$62,784
baseline
▲ 0.50% · 4.625%
HK$66,094
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,568/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,252
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,250
−HK$2,031/mo
Today · 4.125%
HK$68,281
baseline
▲ 0.50% · 4.625%
HK$72,436
+HK$4,155/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,562/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,479
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,396
−HK$1,945/mo
Today · 4.125%
HK$75,341
baseline
▲ 0.50% · 4.625%
HK$79,312
+HK$3,971/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,682/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,960
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,292
−HK$2,369/mo
Today · 4.125%
HK$79,661
baseline
▲ 0.50% · 4.625%
HK$84,508
+HK$4,847/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$159,322/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,393
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,629
−HK$2,269/mo
Today · 4.125%
HK$87,898
baseline
▲ 0.50% · 4.625%
HK$92,531
+HK$4,633/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$175,796/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,377
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,375
−HK$3,046/mo
Today · 4.125%
HK$102,421
baseline
▲ 0.50% · 4.625%
HK$108,653
+HK$6,232/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,842/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,219
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,095
−HK$2,917/mo
Today · 4.125%
HK$113,012
baseline
▲ 0.50% · 4.625%
HK$118,969
+HK$5,957/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$226,024/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,949 · Scale 2, in force from 26 Feb 2026)