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$53,297
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,955
−HK$1,684/mo
Today · 4.125%
HK$56,639
baseline
▲ 0.50% · 4.625%
HK$60,086
+HK$3,447/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,278/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,292
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,883
−HK$1,613/mo
Today · 4.125%
HK$62,496
baseline
▲ 0.50% · 4.625%
HK$65,790
+HK$3,294/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$124,992/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,957
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,946
−HK$2,021/mo
Today · 4.125%
HK$67,967
baseline
▲ 0.50% · 4.625%
HK$72,103
+HK$4,136/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,934/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,151
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,059
−HK$1,936/mo
Today · 4.125%
HK$74,995
baseline
▲ 0.50% · 4.625%
HK$78,948
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,990/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,616
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,937
−HK$2,358/mo
Today · 4.125%
HK$79,295
baseline
▲ 0.50% · 4.625%
HK$84,120
+HK$4,825/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,590/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,009
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,236
−HK$2,258/mo
Today · 4.125%
HK$87,494
baseline
▲ 0.50% · 4.625%
HK$92,106
+HK$4,612/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,988/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,935
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,919
−HK$3,032/mo
Today · 4.125%
HK$101,951
baseline
▲ 0.50% · 4.625%
HK$108,154
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,902/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,726
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,589
−HK$2,904/mo
Today · 4.125%
HK$112,493
baseline
▲ 0.50% · 4.625%
HK$118,422
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$224,986/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,365 · Scale 2, in force from 26 Feb 2026)