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$53,325
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,984
−HK$1,685/mo
Today · 4.125%
HK$56,669
baseline
▲ 0.50% · 4.625%
HK$60,117
+HK$3,448/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,338/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,324
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,915
−HK$1,614/mo
Today · 4.125%
HK$62,529
baseline
▲ 0.50% · 4.625%
HK$65,825
+HK$3,296/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,058/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,990
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,981
−HK$2,022/mo
Today · 4.125%
HK$68,003
baseline
▲ 0.50% · 4.625%
HK$72,141
+HK$4,138/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$136,006/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,188
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,098
−HK$1,936/mo
Today · 4.125%
HK$75,034
baseline
▲ 0.50% · 4.625%
HK$78,990
+HK$3,956/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,068/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,655
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,977
−HK$2,360/mo
Today · 4.125%
HK$79,337
baseline
▲ 0.50% · 4.625%
HK$84,164
+HK$4,827/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,674/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,053
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,281
−HK$2,259/mo
Today · 4.125%
HK$87,540
baseline
▲ 0.50% · 4.625%
HK$92,155
+HK$4,615/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,080/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,985
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,971
−HK$3,033/mo
Today · 4.125%
HK$102,004
baseline
▲ 0.50% · 4.625%
HK$108,211
+HK$6,207/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,008/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,783
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,646
−HK$2,906/mo
Today · 4.125%
HK$112,552
baseline
▲ 0.50% · 4.625%
HK$118,484
+HK$5,932/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,104/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,887 · Scale 2, in force from 26 Feb 2026)