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$53,481
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,145
−HK$1,690/mo
Today · 4.125%
HK$56,835
baseline
▲ 0.50% · 4.625%
HK$60,293
+HK$3,458/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,670/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,497
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,093
−HK$1,619/mo
Today · 4.125%
HK$62,712
baseline
▲ 0.50% · 4.625%
HK$66,017
+HK$3,305/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,424/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,177
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,174
−HK$2,028/mo
Today · 4.125%
HK$68,202
baseline
▲ 0.50% · 4.625%
HK$72,352
+HK$4,150/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,404/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,397
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,312
−HK$1,942/mo
Today · 4.125%
HK$75,254
baseline
▲ 0.50% · 4.625%
HK$79,221
+HK$3,967/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,508/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,874
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,203
−HK$2,366/mo
Today · 4.125%
HK$79,569
baseline
▲ 0.50% · 4.625%
HK$84,411
+HK$4,842/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,138/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,296
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,530
−HK$2,266/mo
Today · 4.125%
HK$87,796
baseline
▲ 0.50% · 4.625%
HK$92,424
+HK$4,628/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,592/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,266
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,261
−HK$3,042/mo
Today · 4.125%
HK$102,303
baseline
▲ 0.50% · 4.625%
HK$108,528
+HK$6,225/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$204,606/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,095
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,967
−HK$2,914/mo
Today · 4.125%
HK$112,881
baseline
▲ 0.50% · 4.625%
HK$118,831
+HK$5,950/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$225,762/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,797 · Scale 2, in force from 26 Feb 2026)