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$53,499
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,163
−HK$1,691/mo
Today · 4.125%
HK$56,854
baseline
▲ 0.50% · 4.625%
HK$60,313
+HK$3,459/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,708/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,517
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,113
−HK$1,620/mo
Today · 4.125%
HK$62,733
baseline
▲ 0.50% · 4.625%
HK$66,039
+HK$3,306/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,466/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,199
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,196
−HK$2,029/mo
Today · 4.125%
HK$68,225
baseline
▲ 0.50% · 4.625%
HK$72,376
+HK$4,151/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$136,450/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,421
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,336
−HK$1,943/mo
Today · 4.125%
HK$75,279
baseline
▲ 0.50% · 4.625%
HK$79,247
+HK$3,968/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$150,558/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,899
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,228
−HK$2,367/mo
Today · 4.125%
HK$79,595
baseline
▲ 0.50% · 4.625%
HK$84,439
+HK$4,844/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,190/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,324
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,559
−HK$2,267/mo
Today · 4.125%
HK$87,826
baseline
▲ 0.50% · 4.625%
HK$92,455
+HK$4,629/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,652/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,298
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,294
−HK$3,043/mo
Today · 4.125%
HK$102,337
baseline
▲ 0.50% · 4.625%
HK$108,564
+HK$6,227/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,674/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,131
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,004
−HK$2,915/mo
Today · 4.125%
HK$112,919
baseline
▲ 0.50% · 4.625%
HK$118,871
+HK$5,952/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,838/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,128 · Scale 2, in force from 26 Feb 2026)