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$53,248
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,904
−HK$1,683/mo
Today · 4.125%
HK$56,587
baseline
▲ 0.50% · 4.625%
HK$60,030
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,174/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,237
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,826
−HK$1,612/mo
Today · 4.125%
HK$62,438
baseline
▲ 0.50% · 4.625%
HK$65,729
+HK$3,291/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,876/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,897
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,885
−HK$2,019/mo
Today · 4.125%
HK$67,904
baseline
▲ 0.50% · 4.625%
HK$72,036
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,808/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,085
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,991
−HK$1,934/mo
Today · 4.125%
HK$74,925
baseline
▲ 0.50% · 4.625%
HK$78,875
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,850/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,547
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,865
−HK$2,356/mo
Today · 4.125%
HK$79,221
baseline
▲ 0.50% · 4.625%
HK$84,042
+HK$4,821/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,442/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,932
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,157
−HK$2,256/mo
Today · 4.125%
HK$87,413
baseline
▲ 0.50% · 4.625%
HK$92,021
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,826/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,846
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,827
−HK$3,029/mo
Today · 4.125%
HK$101,856
baseline
▲ 0.50% · 4.625%
HK$108,054
+HK$6,198/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,712/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,627
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,487
−HK$2,901/mo
Today · 4.125%
HK$112,388
baseline
▲ 0.50% · 4.625%
HK$118,312
+HK$5,924/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,776/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,443 · Scale 2, in force from 26 Feb 2026)