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$53,299
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,957
−HK$1,684/mo
Today · 4.125%
HK$56,641
baseline
▲ 0.50% · 4.625%
HK$60,087
+HK$3,446/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,282/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,294
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,884
−HK$1,614/mo
Today · 4.125%
HK$62,498
baseline
▲ 0.50% · 4.625%
HK$65,792
+HK$3,294/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$124,996/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,958
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,948
−HK$2,021/mo
Today · 4.125%
HK$67,969
baseline
▲ 0.50% · 4.625%
HK$72,105
+HK$4,136/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,938/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,153
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,061
−HK$1,936/mo
Today · 4.125%
HK$74,997
baseline
▲ 0.50% · 4.625%
HK$78,950
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,994/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,618
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,939
−HK$2,358/mo
Today · 4.125%
HK$79,297
baseline
▲ 0.50% · 4.625%
HK$84,122
+HK$4,825/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,594/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,012
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,238
−HK$2,259/mo
Today · 4.125%
HK$87,497
baseline
▲ 0.50% · 4.625%
HK$92,109
+HK$4,612/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,994/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,938
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,922
−HK$3,032/mo
Today · 4.125%
HK$101,954
baseline
▲ 0.50% · 4.625%
HK$108,157
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,908/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,730
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,592
−HK$2,904/mo
Today · 4.125%
HK$112,496
baseline
▲ 0.50% · 4.625%
HK$118,426
+HK$5,930/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$224,992/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,394 · Scale 2, in force from 26 Feb 2026)