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$53,319
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,978
−HK$1,685/mo
Today · 4.125%
HK$56,663
baseline
▲ 0.50% · 4.625%
HK$60,111
+HK$3,448/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,326/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,317
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,908
−HK$1,614/mo
Today · 4.125%
HK$62,522
baseline
▲ 0.50% · 4.625%
HK$65,818
+HK$3,296/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,044/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,983
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,974
−HK$2,022/mo
Today · 4.125%
HK$67,996
baseline
▲ 0.50% · 4.625%
HK$72,133
+HK$4,137/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$135,992/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,181
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,090
−HK$1,936/mo
Today · 4.125%
HK$75,026
baseline
▲ 0.50% · 4.625%
HK$78,981
+HK$3,955/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,052/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,647
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,969
−HK$2,359/mo
Today · 4.125%
HK$79,328
baseline
▲ 0.50% · 4.625%
HK$84,155
+HK$4,827/mo
Deposit HK$7.01M · loan HK$16.37M · min. income ≈ HK$158,656/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,044
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,271
−HK$2,260/mo
Today · 4.125%
HK$87,531
baseline
▲ 0.50% · 4.625%
HK$92,145
+HK$4,614/mo
Deposit HK$7.01M · loan HK$16.37M · min. income ≈ HK$175,062/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,975
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,960
−HK$3,033/mo
Today · 4.125%
HK$101,993
baseline
▲ 0.50% · 4.625%
HK$108,199
+HK$6,206/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,986/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,771
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,635
−HK$2,905/mo
Today · 4.125%
HK$112,540
baseline
▲ 0.50% · 4.625%
HK$118,472
+HK$5,932/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$225,080/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,781 · Scale 2, in force from 26 Feb 2026)