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$53,245
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,902
−HK$1,682/mo
Today · 4.125%
HK$56,584
baseline
▲ 0.50% · 4.625%
HK$60,027
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,168/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,235
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,824
−HK$1,611/mo
Today · 4.125%
HK$62,435
baseline
▲ 0.50% · 4.625%
HK$65,726
+HK$3,291/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,870/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,895
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,882
−HK$2,019/mo
Today · 4.125%
HK$67,901
baseline
▲ 0.50% · 4.625%
HK$72,033
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,802/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,082
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,988
−HK$1,934/mo
Today · 4.125%
HK$74,922
baseline
▲ 0.50% · 4.625%
HK$78,872
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,844/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,544
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,862
−HK$2,356/mo
Today · 4.125%
HK$79,218
baseline
▲ 0.50% · 4.625%
HK$84,038
+HK$4,820/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,436/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,929
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,153
−HK$2,256/mo
Today · 4.125%
HK$87,409
baseline
▲ 0.50% · 4.625%
HK$92,017
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,818/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,842
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,823
−HK$3,029/mo
Today · 4.125%
HK$101,852
baseline
▲ 0.50% · 4.625%
HK$108,049
+HK$6,197/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,704/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,623
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,483
−HK$2,901/mo
Today · 4.125%
HK$112,384
baseline
▲ 0.50% · 4.625%
HK$118,307
+HK$5,923/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,768/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,403 · Scale 2, in force from 26 Feb 2026)