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$53,451
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,114
−HK$1,689/mo
Today · 4.125%
HK$56,803
baseline
▲ 0.50% · 4.625%
HK$60,259
+HK$3,456/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$113,606/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,464
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,059
−HK$1,618/mo
Today · 4.125%
HK$62,677
baseline
▲ 0.50% · 4.625%
HK$65,980
+HK$3,303/mo
Deposit HK$11.72M · loan HK$11.72M · min. income ≈ HK$125,354/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$996,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,141
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,137
−HK$2,027/mo
Today · 4.125%
HK$68,164
baseline
▲ 0.50% · 4.625%
HK$72,311
+HK$4,147/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$136,328/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,357
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,270
−HK$1,942/mo
Today · 4.125%
HK$75,212
baseline
▲ 0.50% · 4.625%
HK$79,176
+HK$3,964/mo
Deposit HK$9.38M · loan HK$14.06M · min. income ≈ HK$150,424/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$996,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,832
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,159
−HK$2,365/mo
Today · 4.125%
HK$79,524
baseline
▲ 0.50% · 4.625%
HK$84,363
+HK$4,839/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$159,048/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,249
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,482
−HK$2,265/mo
Today · 4.125%
HK$87,747
baseline
▲ 0.50% · 4.625%
HK$92,372
+HK$4,625/mo
Deposit HK$7.03M · loan HK$16.41M · min. income ≈ HK$175,494/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$996,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,212
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,205
−HK$3,040/mo
Today · 4.125%
HK$102,245
baseline
▲ 0.50% · 4.625%
HK$108,467
+HK$6,222/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$204,490/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,035
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,906
−HK$2,912/mo
Today · 4.125%
HK$112,818
baseline
▲ 0.50% · 4.625%
HK$118,764
+HK$5,946/mo
Deposit HK$2.34M · loan HK$21.10M · min. income ≈ HK$225,636/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$996,237 · Scale 2, in force from 26 Feb 2026)