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$53,245
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,901
−HK$1,683/mo
Today · 4.125%
HK$56,584
baseline
▲ 0.50% · 4.625%
HK$60,027
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,168/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,234
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,823
−HK$1,611/mo
Today · 4.125%
HK$62,434
baseline
▲ 0.50% · 4.625%
HK$65,725
+HK$3,291/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,868/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,894
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,881
−HK$2,019/mo
Today · 4.125%
HK$67,900
baseline
▲ 0.50% · 4.625%
HK$72,032
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,800/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,081
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,987
−HK$1,934/mo
Today · 4.125%
HK$74,921
baseline
▲ 0.50% · 4.625%
HK$78,871
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,842/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,543
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,861
−HK$2,356/mo
Today · 4.125%
HK$79,217
baseline
▲ 0.50% · 4.625%
HK$84,037
+HK$4,820/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,434/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,928
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,152
−HK$2,256/mo
Today · 4.125%
HK$87,408
baseline
▲ 0.50% · 4.625%
HK$92,016
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,816/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,840
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,822
−HK$3,029/mo
Today · 4.125%
HK$101,851
baseline
▲ 0.50% · 4.625%
HK$108,048
+HK$6,197/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,702/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,622
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,481
−HK$2,901/mo
Today · 4.125%
HK$112,382
baseline
▲ 0.50% · 4.625%
HK$118,306
+HK$5,924/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,764/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,389 · Scale 2, in force from 26 Feb 2026)