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$53,250
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,907
−HK$1,683/mo
Today · 4.125%
HK$56,590
baseline
▲ 0.50% · 4.625%
HK$60,033
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,180/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,240
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,829
−HK$1,612/mo
Today · 4.125%
HK$62,441
baseline
▲ 0.50% · 4.625%
HK$65,732
+HK$3,291/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,882/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,900
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,888
−HK$2,019/mo
Today · 4.125%
HK$67,907
baseline
▲ 0.50% · 4.625%
HK$72,040
+HK$4,133/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,814/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,089
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,995
−HK$1,934/mo
Today · 4.125%
HK$74,929
baseline
▲ 0.50% · 4.625%
HK$78,879
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,858/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,550
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,869
−HK$2,356/mo
Today · 4.125%
HK$79,225
baseline
▲ 0.50% · 4.625%
HK$84,046
+HK$4,821/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,450/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,937
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,161
−HK$2,256/mo
Today · 4.125%
HK$87,417
baseline
▲ 0.50% · 4.625%
HK$92,025
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,834/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,851
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,832
−HK$3,029/mo
Today · 4.125%
HK$101,861
baseline
▲ 0.50% · 4.625%
HK$108,059
+HK$6,198/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,722/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,633
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,493
−HK$2,901/mo
Today · 4.125%
HK$112,394
baseline
▲ 0.50% · 4.625%
HK$118,318
+HK$5,924/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,788/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,493 · Scale 2, in force from 26 Feb 2026)