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$53,511
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,176
−HK$1,691/mo
Today · 4.125%
HK$56,867
baseline
▲ 0.50% · 4.625%
HK$60,327
+HK$3,460/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,734/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,531
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,127
−HK$1,620/mo
Today · 4.125%
HK$62,747
baseline
▲ 0.50% · 4.625%
HK$66,054
+HK$3,307/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,494/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,213
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,211
−HK$2,029/mo
Today · 4.125%
HK$68,240
baseline
▲ 0.50% · 4.625%
HK$72,392
+HK$4,152/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,480/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,437
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,353
−HK$1,943/mo
Today · 4.125%
HK$75,296
baseline
▲ 0.50% · 4.625%
HK$79,265
+HK$3,969/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,592/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,916
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,246
−HK$2,367/mo
Today · 4.125%
HK$79,613
baseline
▲ 0.50% · 4.625%
HK$84,458
+HK$4,845/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,226/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,343
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,578
−HK$2,267/mo
Today · 4.125%
HK$87,845
baseline
▲ 0.50% · 4.625%
HK$92,476
+HK$4,631/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,690/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,320
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,316
−HK$3,044/mo
Today · 4.125%
HK$102,360
baseline
▲ 0.50% · 4.625%
HK$108,588
+HK$6,228/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,720/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,155
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,029
−HK$2,915/mo
Today · 4.125%
HK$112,944
baseline
▲ 0.50% · 4.625%
HK$118,898
+HK$5,954/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,888/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,354 · Scale 2, in force from 26 Feb 2026)