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$53,278
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,935
−HK$1,684/mo
Today · 4.125%
HK$56,619
baseline
▲ 0.50% · 4.625%
HK$60,064
+HK$3,445/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,238/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,271
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,861
−HK$1,613/mo
Today · 4.125%
HK$62,474
baseline
▲ 0.50% · 4.625%
HK$65,767
+HK$3,293/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,948/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,934
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,922
−HK$2,021/mo
Today · 4.125%
HK$67,943
baseline
▲ 0.50% · 4.625%
HK$72,077
+HK$4,134/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,886/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,126
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,033
−HK$1,935/mo
Today · 4.125%
HK$74,968
baseline
▲ 0.50% · 4.625%
HK$78,920
+HK$3,952/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,936/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,589
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,909
−HK$2,358/mo
Today · 4.125%
HK$79,267
baseline
▲ 0.50% · 4.625%
HK$84,090
+HK$4,823/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,534/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,980
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,205
−HK$2,258/mo
Today · 4.125%
HK$87,463
baseline
▲ 0.50% · 4.625%
HK$92,073
+HK$4,610/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,926/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,900
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,883
−HK$3,031/mo
Today · 4.125%
HK$101,914
baseline
▲ 0.50% · 4.625%
HK$108,115
+HK$6,201/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,828/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,688
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,550
−HK$2,902/mo
Today · 4.125%
HK$112,452
baseline
▲ 0.50% · 4.625%
HK$118,380
+HK$5,928/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,904/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,010 · Scale 2, in force from 26 Feb 2026)