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$53,313
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,972
−HK$1,684/mo
Today · 4.125%
HK$56,656
baseline
▲ 0.50% · 4.625%
HK$60,104
+HK$3,448/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,312/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,310
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,901
−HK$1,614/mo
Today · 4.125%
HK$62,515
baseline
▲ 0.50% · 4.625%
HK$65,810
+HK$3,295/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,030/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,976
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,966
−HK$2,022/mo
Today · 4.125%
HK$67,988
baseline
▲ 0.50% · 4.625%
HK$72,125
+HK$4,137/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$135,976/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,173
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,081
−HK$1,937/mo
Today · 4.125%
HK$75,018
baseline
▲ 0.50% · 4.625%
HK$78,972
+HK$3,954/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,036/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,639
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,960
−HK$2,359/mo
Today · 4.125%
HK$79,319
baseline
▲ 0.50% · 4.625%
HK$84,145
+HK$4,826/mo
Deposit HK$7.01M · loan HK$16.37M · min. income ≈ HK$158,638/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,035
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,262
−HK$2,259/mo
Today · 4.125%
HK$87,521
baseline
▲ 0.50% · 4.625%
HK$92,134
+HK$4,613/mo
Deposit HK$7.01M · loan HK$16.37M · min. income ≈ HK$175,042/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,964
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,949
−HK$3,033/mo
Today · 4.125%
HK$101,982
baseline
▲ 0.50% · 4.625%
HK$108,187
+HK$6,205/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,964/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,759
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,622
−HK$2,905/mo
Today · 4.125%
HK$112,527
baseline
▲ 0.50% · 4.625%
HK$118,458
+HK$5,931/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$225,054/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,666 · Scale 2, in force from 26 Feb 2026)