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$53,472
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,135
−HK$1,690/mo
Today · 4.125%
HK$56,825
baseline
▲ 0.50% · 4.625%
HK$60,282
+HK$3,457/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,650/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,487
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,082
−HK$1,619/mo
Today · 4.125%
HK$62,701
baseline
▲ 0.50% · 4.625%
HK$66,006
+HK$3,305/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,402/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,166
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,162
−HK$2,028/mo
Today · 4.125%
HK$68,190
baseline
▲ 0.50% · 4.625%
HK$72,339
+HK$4,149/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$136,380/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,384
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,298
−HK$1,943/mo
Today · 4.125%
HK$75,241
baseline
▲ 0.50% · 4.625%
HK$79,207
+HK$3,966/mo
Deposit HK$9.38M · loan HK$14.07M · min. income ≈ HK$150,482/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$996,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,860
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,189
−HK$2,366/mo
Today · 4.125%
HK$79,555
baseline
▲ 0.50% · 4.625%
HK$84,395
+HK$4,840/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,110/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,281
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,515
−HK$2,266/mo
Today · 4.125%
HK$87,781
baseline
▲ 0.50% · 4.625%
HK$92,408
+HK$4,627/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,562/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,249
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,243
−HK$3,042/mo
Today · 4.125%
HK$102,285
baseline
▲ 0.50% · 4.625%
HK$108,508
+HK$6,223/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,570/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,076
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$109,948
−HK$2,913/mo
Today · 4.125%
HK$112,861
baseline
▲ 0.50% · 4.625%
HK$118,810
+HK$5,949/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,722/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,618 · Scale 2, in force from 26 Feb 2026)