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$53,274
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,931
−HK$1,683/mo
Today · 4.125%
HK$56,614
baseline
▲ 0.50% · 4.625%
HK$60,059
+HK$3,445/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,228/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,266
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,856
−HK$1,612/mo
Today · 4.125%
HK$62,468
baseline
▲ 0.50% · 4.625%
HK$65,761
+HK$3,293/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,936/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,928
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,917
−HK$2,020/mo
Today · 4.125%
HK$67,937
baseline
▲ 0.50% · 4.625%
HK$72,071
+HK$4,134/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,874/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,120
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,027
−HK$1,935/mo
Today · 4.125%
HK$74,962
baseline
▲ 0.50% · 4.625%
HK$78,913
+HK$3,951/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,924/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,583
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,903
−HK$2,357/mo
Today · 4.125%
HK$79,260
baseline
▲ 0.50% · 4.625%
HK$84,083
+HK$4,823/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,520/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,973
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,198
−HK$2,258/mo
Today · 4.125%
HK$87,456
baseline
▲ 0.50% · 4.625%
HK$92,066
+HK$4,610/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,912/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,893
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,875
−HK$3,031/mo
Today · 4.125%
HK$101,906
baseline
▲ 0.50% · 4.625%
HK$108,107
+HK$6,201/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,812/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,680
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,541
−HK$2,902/mo
Today · 4.125%
HK$112,443
baseline
▲ 0.50% · 4.625%
HK$118,370
+HK$5,927/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,886/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,929 · Scale 2, in force from 26 Feb 2026)