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$53,533
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,198
−HK$1,691/mo
Today · 4.125%
HK$56,889
baseline
▲ 0.50% · 4.625%
HK$60,351
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,778/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,554
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,152
−HK$1,620/mo
Today · 4.125%
HK$62,772
baseline
▲ 0.50% · 4.625%
HK$66,081
+HK$3,309/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,544/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$997,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,239
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,237
−HK$2,030/mo
Today · 4.125%
HK$68,267
baseline
▲ 0.50% · 4.625%
HK$72,421
+HK$4,154/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,534/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,465
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,382
−HK$1,944/mo
Today · 4.125%
HK$75,326
baseline
▲ 0.50% · 4.625%
HK$79,297
+HK$3,971/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,652/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$997,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,946
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,277
−HK$2,368/mo
Today · 4.125%
HK$79,645
baseline
▲ 0.50% · 4.625%
HK$84,491
+HK$4,846/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,290/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,376
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,612
−HK$2,269/mo
Today · 4.125%
HK$87,881
baseline
▲ 0.50% · 4.625%
HK$92,513
+HK$4,632/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,762/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,359
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,356
−HK$3,045/mo
Today · 4.125%
HK$102,401
baseline
▲ 0.50% · 4.625%
HK$108,632
+HK$6,231/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,802/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,198
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,073
−HK$2,916/mo
Today · 4.125%
HK$112,989
baseline
▲ 0.50% · 4.625%
HK$118,945
+HK$5,956/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$225,978/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$997,753 · Scale 2, in force from 26 Feb 2026)