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$53,641
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,309
−HK$1,695/mo
Today · 4.125%
HK$57,004
baseline
▲ 0.50% · 4.625%
HK$60,473
+HK$3,469/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$114,008/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,675
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,275
−HK$1,624/mo
Today · 4.125%
HK$62,899
baseline
▲ 0.50% · 4.625%
HK$66,214
+HK$3,315/mo
Deposit HK$11.76M · loan HK$11.76M · min. income ≈ HK$125,798/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$999,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,369
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,371
−HK$2,034/mo
Today · 4.125%
HK$68,405
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$136,810/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,610
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,530
−HK$1,948/mo
Today · 4.125%
HK$75,478
baseline
▲ 0.50% · 4.625%
HK$79,457
+HK$3,979/mo
Deposit HK$9.41M · loan HK$14.11M · min. income ≈ HK$150,956/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$999,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,097
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,433
−HK$2,373/mo
Today · 4.125%
HK$79,806
baseline
▲ 0.50% · 4.625%
HK$84,662
+HK$4,856/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,612/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,545
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,785
−HK$2,273/mo
Today · 4.125%
HK$88,058
baseline
▲ 0.50% · 4.625%
HK$92,700
+HK$4,642/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,116/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$999,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,553
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,557
−HK$3,051/mo
Today · 4.125%
HK$102,608
baseline
▲ 0.50% · 4.625%
HK$108,851
+HK$6,243/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$205,216/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,414
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,295
−HK$2,923/mo
Today · 4.125%
HK$113,218
baseline
▲ 0.50% · 4.625%
HK$119,186
+HK$5,968/mo
Deposit HK$2.35M · loan HK$21.17M · min. income ≈ HK$226,436/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,769 · Scale 2, in force from 26 Feb 2026)