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$53,461
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,124
−HK$1,689/mo
Today · 4.125%
HK$56,813
baseline
▲ 0.50% · 4.625%
HK$60,270
+HK$3,457/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,626/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,474
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,070
−HK$1,618/mo
Today · 4.125%
HK$62,688
baseline
▲ 0.50% · 4.625%
HK$65,992
+HK$3,304/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,376/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,153
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,148
−HK$2,028/mo
Today · 4.125%
HK$68,176
baseline
▲ 0.50% · 4.625%
HK$72,324
+HK$4,148/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,352/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,369
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,283
−HK$1,942/mo
Today · 4.125%
HK$75,225
baseline
▲ 0.50% · 4.625%
HK$79,190
+HK$3,965/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,450/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,845
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,173
−HK$2,365/mo
Today · 4.125%
HK$79,538
baseline
▲ 0.50% · 4.625%
HK$84,378
+HK$4,840/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,076/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,264
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,497
−HK$2,266/mo
Today · 4.125%
HK$87,763
baseline
▲ 0.50% · 4.625%
HK$92,389
+HK$4,626/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,526/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,229
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,222
−HK$3,042/mo
Today · 4.125%
HK$102,264
baseline
▲ 0.50% · 4.625%
HK$108,486
+HK$6,222/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,528/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,054
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,925
−HK$2,913/mo
Today · 4.125%
HK$112,838
baseline
▲ 0.50% · 4.625%
HK$118,786
+HK$5,948/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,676/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,414 · Scale 2, in force from 26 Feb 2026)