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$53,260
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,917
−HK$1,683/mo
Today · 4.125%
HK$56,600
baseline
▲ 0.50% · 4.625%
HK$60,044
+HK$3,444/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,200/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,251
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,840
−HK$1,612/mo
Today · 4.125%
HK$62,452
baseline
▲ 0.50% · 4.625%
HK$65,744
+HK$3,292/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,904/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,912
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,900
−HK$2,020/mo
Today · 4.125%
HK$67,920
baseline
▲ 0.50% · 4.625%
HK$72,053
+HK$4,133/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,840/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,102
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,008
−HK$1,935/mo
Today · 4.125%
HK$74,943
baseline
▲ 0.50% · 4.625%
HK$78,893
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,886/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,564
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,883
−HK$2,357/mo
Today · 4.125%
HK$79,240
baseline
▲ 0.50% · 4.625%
HK$84,062
+HK$4,822/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,480/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,952
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,177
−HK$2,256/mo
Today · 4.125%
HK$87,433
baseline
▲ 0.50% · 4.625%
HK$92,042
+HK$4,609/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,866/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,868
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,850
−HK$3,030/mo
Today · 4.125%
HK$101,880
baseline
▲ 0.50% · 4.625%
HK$108,079
+HK$6,199/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,760/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,652
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,513
−HK$2,901/mo
Today · 4.125%
HK$112,414
baseline
▲ 0.50% · 4.625%
HK$118,340
+HK$5,926/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,828/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,676 · Scale 2, in force from 26 Feb 2026)