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$53,318
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,976
−HK$1,685/mo
Today · 4.125%
HK$56,661
baseline
▲ 0.50% · 4.625%
HK$60,109
+HK$3,448/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,322/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,315
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,906
−HK$1,614/mo
Today · 4.125%
HK$62,520
baseline
▲ 0.50% · 4.625%
HK$65,815
+HK$3,295/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,040/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,981
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,971
−HK$2,022/mo
Today · 4.125%
HK$67,993
baseline
▲ 0.50% · 4.625%
HK$72,131
+HK$4,138/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$135,986/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,178
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,087
−HK$1,937/mo
Today · 4.125%
HK$75,024
baseline
▲ 0.50% · 4.625%
HK$78,978
+HK$3,954/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,048/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,645
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,966
−HK$2,359/mo
Today · 4.125%
HK$79,325
baseline
▲ 0.50% · 4.625%
HK$84,152
+HK$4,827/mo
Deposit HK$7.01M · loan HK$16.37M · min. income ≈ HK$158,650/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,041
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,269
−HK$2,259/mo
Today · 4.125%
HK$87,528
baseline
▲ 0.50% · 4.625%
HK$92,142
+HK$4,614/mo
Deposit HK$7.01M · loan HK$16.37M · min. income ≈ HK$175,056/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,972
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,957
−HK$3,033/mo
Today · 4.125%
HK$101,990
baseline
▲ 0.50% · 4.625%
HK$108,196
+HK$6,206/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,980/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,767
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,631
−HK$2,905/mo
Today · 4.125%
HK$112,536
baseline
▲ 0.50% · 4.625%
HK$118,468
+HK$5,932/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$225,072/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,747 · Scale 2, in force from 26 Feb 2026)