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$53,227
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,883
−HK$1,682/mo
Today · 4.125%
HK$56,565
baseline
▲ 0.50% · 4.625%
HK$60,007
+HK$3,442/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,130/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$992,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,215
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,803
−HK$1,611/mo
Today · 4.125%
HK$62,414
baseline
▲ 0.50% · 4.625%
HK$65,704
+HK$3,290/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,828/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$992,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,873
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,859
−HK$2,019/mo
Today · 4.125%
HK$67,878
baseline
▲ 0.50% · 4.625%
HK$72,008
+HK$4,130/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,756/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,058
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,963
−HK$1,934/mo
Today · 4.125%
HK$74,897
baseline
▲ 0.50% · 4.625%
HK$78,845
+HK$3,948/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,794/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,518
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,836
−HK$2,355/mo
Today · 4.125%
HK$79,191
baseline
▲ 0.50% · 4.625%
HK$84,010
+HK$4,819/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,382/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$992,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,901
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,124
−HK$2,255/mo
Today · 4.125%
HK$87,379
baseline
▲ 0.50% · 4.625%
HK$91,985
+HK$4,606/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,758/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$992,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,809
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,789
−HK$3,028/mo
Today · 4.125%
HK$101,817
baseline
▲ 0.50% · 4.625%
HK$108,012
+HK$6,195/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,634/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,586
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$109,445
−HK$2,900/mo
Today · 4.125%
HK$112,345
baseline
▲ 0.50% · 4.625%
HK$118,267
+HK$5,922/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,690/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,062 · Scale 2, in force from 26 Feb 2026)