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$53,520
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,185
−HK$1,691/mo
Today · 4.125%
HK$56,876
baseline
▲ 0.50% · 4.625%
HK$60,337
+HK$3,461/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,752/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,541
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,137
−HK$1,620/mo
Today · 4.125%
HK$62,757
baseline
▲ 0.50% · 4.625%
HK$66,065
+HK$3,308/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,514/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,224
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,222
−HK$2,030/mo
Today · 4.125%
HK$68,252
baseline
▲ 0.50% · 4.625%
HK$72,404
+HK$4,152/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,504/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,449
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,365
−HK$1,944/mo
Today · 4.125%
HK$75,309
baseline
▲ 0.50% · 4.625%
HK$79,278
+HK$3,969/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,618/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,928
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,259
−HK$2,368/mo
Today · 4.125%
HK$79,627
baseline
▲ 0.50% · 4.625%
HK$84,472
+HK$4,845/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,254/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,357
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,592
−HK$2,268/mo
Today · 4.125%
HK$87,860
baseline
▲ 0.50% · 4.625%
HK$92,492
+HK$4,632/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,720/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,336
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,333
−HK$3,044/mo
Today · 4.125%
HK$102,377
baseline
▲ 0.50% · 4.625%
HK$108,607
+HK$6,230/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,754/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,173
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,047
−HK$2,916/mo
Today · 4.125%
HK$112,963
baseline
▲ 0.50% · 4.625%
HK$118,918
+HK$5,955/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,926/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,521 · Scale 2, in force from 26 Feb 2026)