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$53,471
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,134
−HK$1,690/mo
Today · 4.125%
HK$56,824
baseline
▲ 0.50% · 4.625%
HK$60,281
+HK$3,457/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,648/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,485
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,081
−HK$1,618/mo
Today · 4.125%
HK$62,699
baseline
▲ 0.50% · 4.625%
HK$66,004
+HK$3,305/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,398/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,165
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,160
−HK$2,028/mo
Today · 4.125%
HK$68,188
baseline
▲ 0.50% · 4.625%
HK$72,337
+HK$4,149/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,376/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,382
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,297
−HK$1,942/mo
Today · 4.125%
HK$75,239
baseline
▲ 0.50% · 4.625%
HK$79,205
+HK$3,966/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,478/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,859
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,187
−HK$2,366/mo
Today · 4.125%
HK$79,553
baseline
▲ 0.50% · 4.625%
HK$84,394
+HK$4,841/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,106/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,280
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,513
−HK$2,266/mo
Today · 4.125%
HK$87,779
baseline
▲ 0.50% · 4.625%
HK$92,406
+HK$4,627/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,558/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,247
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,241
−HK$3,041/mo
Today · 4.125%
HK$102,282
baseline
▲ 0.50% · 4.625%
HK$108,506
+HK$6,224/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,564/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,074
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$109,945
−HK$2,914/mo
Today · 4.125%
HK$112,859
baseline
▲ 0.50% · 4.625%
HK$118,808
+HK$5,949/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,718/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,597 · Scale 2, in force from 26 Feb 2026)