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$53,529
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,194
−HK$1,692/mo
Today · 4.125%
HK$56,886
baseline
▲ 0.50% · 4.625%
HK$60,347
+HK$3,461/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,772/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,550
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,147
−HK$1,621/mo
Today · 4.125%
HK$62,768
baseline
▲ 0.50% · 4.625%
HK$66,076
+HK$3,308/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,536/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,235
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,233
−HK$2,030/mo
Today · 4.125%
HK$68,263
baseline
▲ 0.50% · 4.625%
HK$72,416
+HK$4,153/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,526/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,460
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,377
−HK$1,944/mo
Today · 4.125%
HK$75,321
baseline
▲ 0.50% · 4.625%
HK$79,291
+HK$3,970/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,642/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,940
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,271
−HK$2,369/mo
Today · 4.125%
HK$79,640
baseline
▲ 0.50% · 4.625%
HK$84,486
+HK$4,846/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,280/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,370
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,606
−HK$2,269/mo
Today · 4.125%
HK$87,875
baseline
▲ 0.50% · 4.625%
HK$92,507
+HK$4,632/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,750/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,352
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,349
−HK$3,045/mo
Today · 4.125%
HK$102,394
baseline
▲ 0.50% · 4.625%
HK$108,624
+HK$6,230/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,788/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,191
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,065
−HK$2,917/mo
Today · 4.125%
HK$112,982
baseline
▲ 0.50% · 4.625%
HK$118,937
+HK$5,955/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$225,964/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,685 · Scale 2, in force from 26 Feb 2026)