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$53,273
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,930
−HK$1,684/mo
Today · 4.125%
HK$56,614
baseline
▲ 0.50% · 4.625%
HK$60,059
+HK$3,445/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,228/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,266
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,855
−HK$1,613/mo
Today · 4.125%
HK$62,468
baseline
▲ 0.50% · 4.625%
HK$65,761
+HK$3,293/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,936/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,928
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,916
−HK$2,021/mo
Today · 4.125%
HK$67,937
baseline
▲ 0.50% · 4.625%
HK$72,071
+HK$4,134/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,874/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,119
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,027
−HK$1,934/mo
Today · 4.125%
HK$74,961
baseline
▲ 0.50% · 4.625%
HK$78,913
+HK$3,952/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,922/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,583
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,902
−HK$2,358/mo
Today · 4.125%
HK$79,260
baseline
▲ 0.50% · 4.625%
HK$84,082
+HK$4,822/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,520/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,972
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,198
−HK$2,257/mo
Today · 4.125%
HK$87,455
baseline
▲ 0.50% · 4.625%
HK$92,065
+HK$4,610/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,910/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,892
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,875
−HK$3,030/mo
Today · 4.125%
HK$101,905
baseline
▲ 0.50% · 4.625%
HK$108,106
+HK$6,201/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,810/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,679
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,540
−HK$2,902/mo
Today · 4.125%
HK$112,442
baseline
▲ 0.50% · 4.625%
HK$118,369
+HK$5,927/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,884/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,921 · Scale 2, in force from 26 Feb 2026)