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$53,276
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,933
−HK$1,683/mo
Today · 4.125%
HK$56,616
baseline
▲ 0.50% · 4.625%
HK$60,061
+HK$3,445/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,232/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,268
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,858
−HK$1,613/mo
Today · 4.125%
HK$62,471
baseline
▲ 0.50% · 4.625%
HK$65,763
+HK$3,292/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,942/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,931
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,919
−HK$2,021/mo
Today · 4.125%
HK$67,940
baseline
▲ 0.50% · 4.625%
HK$72,074
+HK$4,134/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,880/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,122
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,030
−HK$1,935/mo
Today · 4.125%
HK$74,965
baseline
▲ 0.50% · 4.625%
HK$78,916
+HK$3,951/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,930/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,586
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,906
−HK$2,357/mo
Today · 4.125%
HK$79,263
baseline
▲ 0.50% · 4.625%
HK$84,086
+HK$4,823/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,526/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,976
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,201
−HK$2,258/mo
Today · 4.125%
HK$87,459
baseline
▲ 0.50% · 4.625%
HK$92,069
+HK$4,610/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,918/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,896
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,879
−HK$3,030/mo
Today · 4.125%
HK$101,909
baseline
▲ 0.50% · 4.625%
HK$108,110
+HK$6,201/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,818/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,683
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,544
−HK$2,903/mo
Today · 4.125%
HK$112,447
baseline
▲ 0.50% · 4.625%
HK$118,374
+HK$5,927/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,894/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,963 · Scale 2, in force from 26 Feb 2026)