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$53,287
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,945
−HK$1,684/mo
Today · 4.125%
HK$56,629
baseline
▲ 0.50% · 4.625%
HK$60,075
+HK$3,446/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,258/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,282
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,871
−HK$1,613/mo
Today · 4.125%
HK$62,484
baseline
▲ 0.50% · 4.625%
HK$65,778
+HK$3,294/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,968/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,945
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,934
−HK$2,021/mo
Today · 4.125%
HK$67,955
baseline
▲ 0.50% · 4.625%
HK$72,090
+HK$4,135/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,910/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,138
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,046
−HK$1,935/mo
Today · 4.125%
HK$74,981
baseline
▲ 0.50% · 4.625%
HK$78,934
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,962/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,602
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,923
−HK$2,357/mo
Today · 4.125%
HK$79,280
baseline
▲ 0.50% · 4.625%
HK$84,104
+HK$4,824/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,560/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,994
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,220
−HK$2,258/mo
Today · 4.125%
HK$87,478
baseline
▲ 0.50% · 4.625%
HK$92,089
+HK$4,611/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,956/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,917
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,901
−HK$3,031/mo
Today · 4.125%
HK$101,932
baseline
▲ 0.50% · 4.625%
HK$108,134
+HK$6,202/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,864/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,707
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,569
−HK$2,903/mo
Today · 4.125%
HK$112,472
baseline
▲ 0.50% · 4.625%
HK$118,400
+HK$5,928/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,944/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,183 · Scale 2, in force from 26 Feb 2026)