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$53,288
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,946
−HK$1,684/mo
Today · 4.125%
HK$56,630
baseline
▲ 0.50% · 4.625%
HK$60,076
+HK$3,446/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,260/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,283
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,873
−HK$1,613/mo
Today · 4.125%
HK$62,486
baseline
▲ 0.50% · 4.625%
HK$65,779
+HK$3,293/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,972/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,946
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,935
−HK$2,021/mo
Today · 4.125%
HK$67,956
baseline
▲ 0.50% · 4.625%
HK$72,091
+HK$4,135/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,912/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,139
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,047
−HK$1,936/mo
Today · 4.125%
HK$74,983
baseline
▲ 0.50% · 4.625%
HK$78,935
+HK$3,952/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,966/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,604
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,924
−HK$2,358/mo
Today · 4.125%
HK$79,282
baseline
▲ 0.50% · 4.625%
HK$84,106
+HK$4,824/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,564/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,996
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,222
−HK$2,258/mo
Today · 4.125%
HK$87,480
baseline
▲ 0.50% · 4.625%
HK$92,091
+HK$4,611/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,960/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,919
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,903
−HK$3,031/mo
Today · 4.125%
HK$101,934
baseline
▲ 0.50% · 4.625%
HK$108,137
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,868/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,709
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,571
−HK$2,903/mo
Today · 4.125%
HK$112,474
baseline
▲ 0.50% · 4.625%
HK$118,403
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,948/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,205 · Scale 2, in force from 26 Feb 2026)