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$53,557
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,222
−HK$1,693/mo
Today · 4.125%
HK$56,915
baseline
▲ 0.50% · 4.625%
HK$60,378
+HK$3,463/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,830/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,581
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,179
−HK$1,621/mo
Today · 4.125%
HK$62,800
baseline
▲ 0.50% · 4.625%
HK$66,110
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,600/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,268
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,267
−HK$2,031/mo
Today · 4.125%
HK$68,298
baseline
▲ 0.50% · 4.625%
HK$72,454
+HK$4,156/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,596/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,497
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,415
−HK$1,945/mo
Today · 4.125%
HK$75,360
baseline
▲ 0.50% · 4.625%
HK$79,333
+HK$3,973/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,720/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,979
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,311
−HK$2,370/mo
Today · 4.125%
HK$79,681
baseline
▲ 0.50% · 4.625%
HK$84,529
+HK$4,848/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,362/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,414
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,651
−HK$2,269/mo
Today · 4.125%
HK$87,920
baseline
▲ 0.50% · 4.625%
HK$92,555
+HK$4,635/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,840/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,402
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,400
−HK$3,047/mo
Today · 4.125%
HK$102,447
baseline
▲ 0.50% · 4.625%
HK$108,681
+HK$6,234/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,894/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,246
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,122
−HK$2,918/mo
Today · 4.125%
HK$113,040
baseline
▲ 0.50% · 4.625%
HK$118,999
+HK$5,959/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,080/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,202 · Scale 2, in force from 26 Feb 2026)