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$53,243
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,899
−HK$1,682/mo
Today · 4.125%
HK$56,581
baseline
▲ 0.50% · 4.625%
HK$60,024
+HK$3,443/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,162/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,232
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,820
−HK$1,612/mo
Today · 4.125%
HK$62,432
baseline
▲ 0.50% · 4.625%
HK$65,723
+HK$3,291/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,864/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,891
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,878
−HK$2,020/mo
Today · 4.125%
HK$67,898
baseline
▲ 0.50% · 4.625%
HK$72,029
+HK$4,131/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,796/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,078
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,984
−HK$1,934/mo
Today · 4.125%
HK$74,918
baseline
▲ 0.50% · 4.625%
HK$78,867
+HK$3,949/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,836/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,540
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,858
−HK$2,356/mo
Today · 4.125%
HK$79,214
baseline
▲ 0.50% · 4.625%
HK$84,034
+HK$4,820/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,428/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,924
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,148
−HK$2,257/mo
Today · 4.125%
HK$87,405
baseline
▲ 0.50% · 4.625%
HK$92,012
+HK$4,607/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,810/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,837
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,818
−HK$3,028/mo
Today · 4.125%
HK$101,846
baseline
▲ 0.50% · 4.625%
HK$108,043
+HK$6,197/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,692/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,617
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,477
−HK$2,900/mo
Today · 4.125%
HK$112,377
baseline
▲ 0.50% · 4.625%
HK$118,301
+HK$5,924/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,754/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,348 · Scale 2, in force from 26 Feb 2026)