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$53,269
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,926
−HK$1,684/mo
Today · 4.125%
HK$56,610
baseline
▲ 0.50% · 4.625%
HK$60,054
+HK$3,444/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,220/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,262
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,851
−HK$1,612/mo
Today · 4.125%
HK$62,463
baseline
▲ 0.50% · 4.625%
HK$65,756
+HK$3,293/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,926/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,923
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,912
−HK$2,020/mo
Today · 4.125%
HK$67,932
baseline
▲ 0.50% · 4.625%
HK$72,065
+HK$4,133/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$135,864/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,114
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,021
−HK$1,935/mo
Today · 4.125%
HK$74,956
baseline
▲ 0.50% · 4.625%
HK$78,907
+HK$3,951/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$149,912/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,577
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,897
−HK$2,357/mo
Today · 4.125%
HK$79,254
baseline
▲ 0.50% · 4.625%
HK$84,076
+HK$4,822/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,508/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,966
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,191
−HK$2,258/mo
Today · 4.125%
HK$87,449
baseline
▲ 0.50% · 4.625%
HK$92,058
+HK$4,609/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,898/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,885
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,867
−HK$3,031/mo
Today · 4.125%
HK$101,898
baseline
▲ 0.50% · 4.625%
HK$108,098
+HK$6,200/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,796/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,671
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,532
−HK$2,902/mo
Today · 4.125%
HK$112,434
baseline
▲ 0.50% · 4.625%
HK$118,361
+HK$5,927/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,868/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,849 · Scale 2, in force from 26 Feb 2026)