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$53,258
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,915
−HK$1,683/mo
Today · 4.125%
HK$56,598
baseline
▲ 0.50% · 4.625%
HK$60,042
+HK$3,444/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,196/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,249
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,839
−HK$1,612/mo
Today · 4.125%
HK$62,451
baseline
▲ 0.50% · 4.625%
HK$65,742
+HK$3,291/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,902/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,910
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,898
−HK$2,020/mo
Today · 4.125%
HK$67,918
baseline
▲ 0.50% · 4.625%
HK$72,051
+HK$4,133/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,836/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,099
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,006
−HK$1,935/mo
Today · 4.125%
HK$74,941
baseline
▲ 0.50% · 4.625%
HK$78,891
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,882/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,562
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,881
−HK$2,357/mo
Today · 4.125%
HK$79,238
baseline
▲ 0.50% · 4.625%
HK$84,059
+HK$4,821/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,476/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,949
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,174
−HK$2,257/mo
Today · 4.125%
HK$87,431
baseline
▲ 0.50% · 4.625%
HK$92,039
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,862/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,865
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,847
−HK$3,030/mo
Today · 4.125%
HK$101,877
baseline
▲ 0.50% · 4.625%
HK$108,076
+HK$6,199/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,754/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,649
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,509
−HK$2,902/mo
Today · 4.125%
HK$112,411
baseline
▲ 0.50% · 4.625%
HK$118,336
+HK$5,925/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,822/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,645 · Scale 2, in force from 26 Feb 2026)