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$53,284
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,942
−HK$1,684/mo
Today · 4.125%
HK$56,626
baseline
▲ 0.50% · 4.625%
HK$60,071
+HK$3,445/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,252/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,278
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,868
−HK$1,613/mo
Today · 4.125%
HK$62,481
baseline
▲ 0.50% · 4.625%
HK$65,774
+HK$3,293/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,962/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,941
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,930
−HK$2,021/mo
Today · 4.125%
HK$67,951
baseline
▲ 0.50% · 4.625%
HK$72,085
+HK$4,134/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,902/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,134
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,042
−HK$1,935/mo
Today · 4.125%
HK$74,977
baseline
▲ 0.50% · 4.625%
HK$78,929
+HK$3,952/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,954/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,598
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,918
−HK$2,358/mo
Today · 4.125%
HK$79,276
baseline
▲ 0.50% · 4.625%
HK$84,100
+HK$4,824/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,552/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,989
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,215
−HK$2,258/mo
Today · 4.125%
HK$87,473
baseline
▲ 0.50% · 4.625%
HK$92,084
+HK$4,611/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,946/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,912
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,895
−HK$3,031/mo
Today · 4.125%
HK$101,926
baseline
▲ 0.50% · 4.625%
HK$108,128
+HK$6,202/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,852/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,701
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,562
−HK$2,903/mo
Today · 4.125%
HK$112,465
baseline
▲ 0.50% · 4.625%
HK$118,394
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,930/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,125 · Scale 2, in force from 26 Feb 2026)