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$53,287
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,944
−HK$1,684/mo
Today · 4.125%
HK$56,628
baseline
▲ 0.50% · 4.625%
HK$60,074
+HK$3,446/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,256/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,281
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,871
−HK$1,613/mo
Today · 4.125%
HK$62,484
baseline
▲ 0.50% · 4.625%
HK$65,777
+HK$3,293/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,968/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,944
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,933
−HK$2,021/mo
Today · 4.125%
HK$67,954
baseline
▲ 0.50% · 4.625%
HK$72,089
+HK$4,135/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,908/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,137
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,045
−HK$1,935/mo
Today · 4.125%
HK$74,980
baseline
▲ 0.50% · 4.625%
HK$78,933
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,960/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,601
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,922
−HK$2,357/mo
Today · 4.125%
HK$79,279
baseline
▲ 0.50% · 4.625%
HK$84,103
+HK$4,824/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,558/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,993
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,219
−HK$2,258/mo
Today · 4.125%
HK$87,477
baseline
▲ 0.50% · 4.625%
HK$92,088
+HK$4,611/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,954/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,916
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,899
−HK$3,032/mo
Today · 4.125%
HK$101,931
baseline
▲ 0.50% · 4.625%
HK$108,133
+HK$6,202/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,862/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,705
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,567
−HK$2,903/mo
Today · 4.125%
HK$112,470
baseline
▲ 0.50% · 4.625%
HK$118,399
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,940/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,170 · Scale 2, in force from 26 Feb 2026)