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$53,539
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,205
−HK$1,692/mo
Today · 4.125%
HK$56,897
baseline
▲ 0.50% · 4.625%
HK$60,359
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,794/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,562
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,159
−HK$1,621/mo
Today · 4.125%
HK$62,780
baseline
▲ 0.50% · 4.625%
HK$66,089
+HK$3,309/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,560/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,247
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,245
−HK$2,031/mo
Today · 4.125%
HK$68,276
baseline
▲ 0.50% · 4.625%
HK$72,430
+HK$4,154/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,552/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,474
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,391
−HK$1,945/mo
Today · 4.125%
HK$75,336
baseline
▲ 0.50% · 4.625%
HK$79,307
+HK$3,971/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,672/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,955
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,286
−HK$2,369/mo
Today · 4.125%
HK$79,655
baseline
▲ 0.50% · 4.625%
HK$84,502
+HK$4,847/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$159,310/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,386
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,623
−HK$2,269/mo
Today · 4.125%
HK$87,892
baseline
▲ 0.50% · 4.625%
HK$92,524
+HK$4,632/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$175,784/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,370
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,368
−HK$3,046/mo
Today · 4.125%
HK$102,414
baseline
▲ 0.50% · 4.625%
HK$108,645
+HK$6,231/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,828/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,211
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,087
−HK$2,916/mo
Today · 4.125%
HK$113,003
baseline
▲ 0.50% · 4.625%
HK$118,960
+HK$5,957/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$226,006/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,877 · Scale 2, in force from 26 Feb 2026)