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$53,559
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,225
−HK$1,693/mo
Today · 4.125%
HK$56,918
baseline
▲ 0.50% · 4.625%
HK$60,381
+HK$3,463/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,836/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,584
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,182
−HK$1,621/mo
Today · 4.125%
HK$62,803
baseline
▲ 0.50% · 4.625%
HK$66,114
+HK$3,311/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,606/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,271
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,270
−HK$2,032/mo
Today · 4.125%
HK$68,302
baseline
▲ 0.50% · 4.625%
HK$72,458
+HK$4,156/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$136,604/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,501
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,419
−HK$1,945/mo
Today · 4.125%
HK$75,364
baseline
▲ 0.50% · 4.625%
HK$79,337
+HK$3,973/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$150,728/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,983
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,315
−HK$2,370/mo
Today · 4.125%
HK$79,685
baseline
▲ 0.50% · 4.625%
HK$84,534
+HK$4,849/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,370/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,418
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,655
−HK$2,270/mo
Today · 4.125%
HK$87,925
baseline
▲ 0.50% · 4.625%
HK$92,559
+HK$4,634/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,850/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,407
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,406
−HK$3,046/mo
Today · 4.125%
HK$102,452
baseline
▲ 0.50% · 4.625%
HK$108,686
+HK$6,234/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,904/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,252
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,128
−HK$2,918/mo
Today · 4.125%
HK$113,046
baseline
▲ 0.50% · 4.625%
HK$119,005
+HK$5,959/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,092/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,252 · Scale 2, in force from 26 Feb 2026)