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$53,292
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,950
−HK$1,684/mo
Today · 4.125%
HK$56,634
baseline
▲ 0.50% · 4.625%
HK$60,080
+HK$3,446/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,268/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,287
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,877
−HK$1,613/mo
Today · 4.125%
HK$62,490
baseline
▲ 0.50% · 4.625%
HK$65,784
+HK$3,294/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$124,980/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,950
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,940
−HK$2,021/mo
Today · 4.125%
HK$67,961
baseline
▲ 0.50% · 4.625%
HK$72,096
+HK$4,135/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,922/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,144
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,052
−HK$1,936/mo
Today · 4.125%
HK$74,988
baseline
▲ 0.50% · 4.625%
HK$78,941
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,976/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,609
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,930
−HK$2,357/mo
Today · 4.125%
HK$79,287
baseline
▲ 0.50% · 4.625%
HK$84,112
+HK$4,825/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,574/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,002
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,228
−HK$2,258/mo
Today · 4.125%
HK$87,486
baseline
▲ 0.50% · 4.625%
HK$92,097
+HK$4,611/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,972/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,926
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,909
−HK$3,032/mo
Today · 4.125%
HK$101,941
baseline
▲ 0.50% · 4.625%
HK$108,144
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,882/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,716
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,578
−HK$2,904/mo
Today · 4.125%
HK$112,482
baseline
▲ 0.50% · 4.625%
HK$118,411
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,964/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,271 · Scale 2, in force from 26 Feb 2026)