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$53,466
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,129
−HK$1,690/mo
Today · 4.125%
HK$56,819
baseline
▲ 0.50% · 4.625%
HK$60,276
+HK$3,457/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,638/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,481
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,076
−HK$1,618/mo
Today · 4.125%
HK$62,694
baseline
▲ 0.50% · 4.625%
HK$65,999
+HK$3,305/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,388/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,159
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,155
−HK$2,028/mo
Today · 4.125%
HK$68,183
baseline
▲ 0.50% · 4.625%
HK$72,332
+HK$4,149/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,366/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,377
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,291
−HK$1,942/mo
Today · 4.125%
HK$75,233
baseline
▲ 0.50% · 4.625%
HK$79,199
+HK$3,966/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,466/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,853
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,181
−HK$2,366/mo
Today · 4.125%
HK$79,547
baseline
▲ 0.50% · 4.625%
HK$84,387
+HK$4,840/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,094/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,273
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,506
−HK$2,266/mo
Today · 4.125%
HK$87,772
baseline
▲ 0.50% · 4.625%
HK$92,398
+HK$4,626/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,544/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,239
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,233
−HK$3,041/mo
Today · 4.125%
HK$102,274
baseline
▲ 0.50% · 4.625%
HK$108,497
+HK$6,223/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,548/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,065
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$109,937
−HK$2,913/mo
Today · 4.125%
HK$112,850
baseline
▲ 0.50% · 4.625%
HK$118,798
+HK$5,948/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,700/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,517 · Scale 2, in force from 26 Feb 2026)