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$53,249
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,905
−HK$1,683/mo
Today · 4.125%
HK$56,588
baseline
▲ 0.50% · 4.625%
HK$60,031
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,176/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,239
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,827
−HK$1,612/mo
Today · 4.125%
HK$62,439
baseline
▲ 0.50% · 4.625%
HK$65,730
+HK$3,291/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,878/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,898
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,886
−HK$2,019/mo
Today · 4.125%
HK$67,905
baseline
▲ 0.50% · 4.625%
HK$72,037
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,810/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,086
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,993
−HK$1,934/mo
Today · 4.125%
HK$74,927
baseline
▲ 0.50% · 4.625%
HK$78,876
+HK$3,949/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,854/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,548
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,867
−HK$2,356/mo
Today · 4.125%
HK$79,223
baseline
▲ 0.50% · 4.625%
HK$84,043
+HK$4,820/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,446/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,934
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,158
−HK$2,257/mo
Today · 4.125%
HK$87,415
baseline
▲ 0.50% · 4.625%
HK$92,022
+HK$4,607/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,830/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,848
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,829
−HK$3,029/mo
Today · 4.125%
HK$101,858
baseline
▲ 0.50% · 4.625%
HK$108,056
+HK$6,198/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,716/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,629
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,489
−HK$2,901/mo
Today · 4.125%
HK$112,390
baseline
▲ 0.50% · 4.625%
HK$118,315
+HK$5,925/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,780/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,462 · Scale 2, in force from 26 Feb 2026)