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$53,321
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,979
−HK$1,685/mo
Today · 4.125%
HK$56,664
baseline
▲ 0.50% · 4.625%
HK$60,112
+HK$3,448/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,328/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,319
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,909
−HK$1,614/mo
Today · 4.125%
HK$62,523
baseline
▲ 0.50% · 4.625%
HK$65,819
+HK$3,296/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,046/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,985
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,975
−HK$2,022/mo
Today · 4.125%
HK$67,997
baseline
▲ 0.50% · 4.625%
HK$72,134
+HK$4,137/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$135,994/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,182
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,091
−HK$1,937/mo
Today · 4.125%
HK$75,028
baseline
▲ 0.50% · 4.625%
HK$78,983
+HK$3,955/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,056/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,649
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,971
−HK$2,359/mo
Today · 4.125%
HK$79,330
baseline
▲ 0.50% · 4.625%
HK$84,157
+HK$4,827/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,660/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,046
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,273
−HK$2,260/mo
Today · 4.125%
HK$87,533
baseline
▲ 0.50% · 4.625%
HK$92,147
+HK$4,614/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,066/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,977
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,962
−HK$3,034/mo
Today · 4.125%
HK$101,996
baseline
▲ 0.50% · 4.625%
HK$108,202
+HK$6,206/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$203,992/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,773
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,637
−HK$2,905/mo
Today · 4.125%
HK$112,542
baseline
▲ 0.50% · 4.625%
HK$118,474
+HK$5,932/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,084/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,802 · Scale 2, in force from 26 Feb 2026)