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$53,270
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,927
−HK$1,683/mo
Today · 4.125%
HK$56,610
baseline
▲ 0.50% · 4.625%
HK$60,055
+HK$3,445/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$992,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,262
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,852
−HK$1,612/mo
Today · 4.125%
HK$62,464
baseline
▲ 0.50% · 4.625%
HK$65,757
+HK$3,293/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,928/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,924
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,912
−HK$2,021/mo
Today · 4.125%
HK$67,933
baseline
▲ 0.50% · 4.625%
HK$72,066
+HK$4,133/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$135,866/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,115
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,022
−HK$1,935/mo
Today · 4.125%
HK$74,957
baseline
▲ 0.50% · 4.625%
HK$78,908
+HK$3,951/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$149,914/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,578
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,898
−HK$2,357/mo
Today · 4.125%
HK$79,255
baseline
▲ 0.50% · 4.625%
HK$84,077
+HK$4,822/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,510/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,967
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,192
−HK$2,258/mo
Today · 4.125%
HK$87,450
baseline
▲ 0.50% · 4.625%
HK$92,059
+HK$4,609/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,900/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,886
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,868
−HK$3,031/mo
Today · 4.125%
HK$101,899
baseline
▲ 0.50% · 4.625%
HK$108,099
+HK$6,200/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,798/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,672
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,533
−HK$2,902/mo
Today · 4.125%
HK$112,435
baseline
▲ 0.50% · 4.625%
HK$118,362
+HK$5,927/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,870/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,859 · Scale 2, in force from 26 Feb 2026)