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$53,259
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,916
−HK$1,683/mo
Today · 4.125%
HK$56,599
baseline
▲ 0.50% · 4.625%
HK$60,043
+HK$3,444/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,198/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,250
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,839
−HK$1,612/mo
Today · 4.125%
HK$62,451
baseline
▲ 0.50% · 4.625%
HK$65,743
+HK$3,292/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$992,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,911
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,899
−HK$2,020/mo
Today · 4.125%
HK$67,919
baseline
▲ 0.50% · 4.625%
HK$72,051
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,838/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,100
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,007
−HK$1,935/mo
Today · 4.125%
HK$74,942
baseline
▲ 0.50% · 4.625%
HK$78,892
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,884/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,563
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,882
−HK$2,356/mo
Today · 4.125%
HK$79,238
baseline
▲ 0.50% · 4.625%
HK$84,060
+HK$4,822/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$992,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,950
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,175
−HK$2,257/mo
Today · 4.125%
HK$87,432
baseline
▲ 0.50% · 4.625%
HK$92,040
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,864/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,866
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,848
−HK$3,030/mo
Today · 4.125%
HK$101,878
baseline
▲ 0.50% · 4.625%
HK$108,077
+HK$6,199/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,756/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,650
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,511
−HK$2,901/mo
Today · 4.125%
HK$112,412
baseline
▲ 0.50% · 4.625%
HK$118,338
+HK$5,926/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,824/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,656 · Scale 2, in force from 26 Feb 2026)