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$53,255
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,912
−HK$1,683/mo
Today · 4.125%
HK$56,595
baseline
▲ 0.50% · 4.625%
HK$60,038
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,190/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,246
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,835
−HK$1,611/mo
Today · 4.125%
HK$62,446
baseline
▲ 0.50% · 4.625%
HK$65,738
+HK$3,292/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,892/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,906
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,894
−HK$2,019/mo
Today · 4.125%
HK$67,913
baseline
▲ 0.50% · 4.625%
HK$72,046
+HK$4,133/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,826/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,095
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,001
−HK$1,935/mo
Today · 4.125%
HK$74,936
baseline
▲ 0.50% · 4.625%
HK$78,886
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,872/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,557
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,876
−HK$2,356/mo
Today · 4.125%
HK$79,232
baseline
▲ 0.50% · 4.625%
HK$84,053
+HK$4,821/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,464/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,944
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,168
−HK$2,257/mo
Today · 4.125%
HK$87,425
baseline
▲ 0.50% · 4.625%
HK$92,033
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,850/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,859
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,841
−HK$3,029/mo
Today · 4.125%
HK$101,870
baseline
▲ 0.50% · 4.625%
HK$108,069
+HK$6,199/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,740/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,642
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,502
−HK$2,902/mo
Today · 4.125%
HK$112,404
baseline
▲ 0.50% · 4.625%
HK$118,329
+HK$5,925/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,808/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,580 · Scale 2, in force from 26 Feb 2026)