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$53,293
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,951
−HK$1,684/mo
Today · 4.125%
HK$56,635
baseline
▲ 0.50% · 4.625%
HK$60,082
+HK$3,447/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,270/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,288
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,878
−HK$1,614/mo
Today · 4.125%
HK$62,492
baseline
▲ 0.50% · 4.625%
HK$65,786
+HK$3,294/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$124,984/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,952
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,941
−HK$2,021/mo
Today · 4.125%
HK$67,962
baseline
▲ 0.50% · 4.625%
HK$72,098
+HK$4,136/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,924/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,146
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,054
−HK$1,936/mo
Today · 4.125%
HK$74,990
baseline
▲ 0.50% · 4.625%
HK$78,943
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,980/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,611
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,932
−HK$2,358/mo
Today · 4.125%
HK$79,290
baseline
▲ 0.50% · 4.625%
HK$84,114
+HK$4,824/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,580/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,004
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,230
−HK$2,258/mo
Today · 4.125%
HK$87,488
baseline
▲ 0.50% · 4.625%
HK$92,100
+HK$4,612/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,976/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,928
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,912
−HK$3,032/mo
Today · 4.125%
HK$101,944
baseline
▲ 0.50% · 4.625%
HK$108,147
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,888/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,719
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,581
−HK$2,904/mo
Today · 4.125%
HK$112,485
baseline
▲ 0.50% · 4.625%
HK$118,414
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,970/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,297 · Scale 2, in force from 26 Feb 2026)