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$53,436
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,098
−HK$1,689/mo
Today · 4.125%
HK$56,787
baseline
▲ 0.50% · 4.625%
HK$60,242
+HK$3,455/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,574/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,447
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,041
−HK$1,618/mo
Today · 4.125%
HK$62,659
baseline
▲ 0.50% · 4.625%
HK$65,961
+HK$3,302/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,318/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,123
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,118
−HK$2,026/mo
Today · 4.125%
HK$68,144
baseline
▲ 0.50% · 4.625%
HK$72,291
+HK$4,147/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$136,288/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,336
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,249
−HK$1,941/mo
Today · 4.125%
HK$75,190
baseline
▲ 0.50% · 4.625%
HK$79,154
+HK$3,964/mo
Deposit HK$9.37M · loan HK$14.06M · min. income ≈ HK$150,380/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$995,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,810
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,137
−HK$2,365/mo
Today · 4.125%
HK$79,502
baseline
▲ 0.50% · 4.625%
HK$84,339
+HK$4,837/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$159,004/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,226
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,458
−HK$2,264/mo
Today · 4.125%
HK$87,722
baseline
▲ 0.50% · 4.625%
HK$92,346
+HK$4,624/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,444/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$995,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,185
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,177
−HK$3,039/mo
Today · 4.125%
HK$102,216
baseline
▲ 0.50% · 4.625%
HK$108,436
+HK$6,220/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$204,432/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,004
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,874
−HK$2,912/mo
Today · 4.125%
HK$112,786
baseline
▲ 0.50% · 4.625%
HK$118,731
+HK$5,945/mo
Deposit HK$2.34M · loan HK$21.09M · min. income ≈ HK$225,572/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,953 · Scale 2, in force from 26 Feb 2026)