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$53,325
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,984
−HK$1,685/mo
Today · 4.125%
HK$56,669
baseline
▲ 0.50% · 4.625%
HK$60,118
+HK$3,449/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,338/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,324
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,915
−HK$1,614/mo
Today · 4.125%
HK$62,529
baseline
▲ 0.50% · 4.625%
HK$65,825
+HK$3,296/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,058/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,991
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,981
−HK$2,022/mo
Today · 4.125%
HK$68,003
baseline
▲ 0.50% · 4.625%
HK$72,141
+HK$4,138/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$136,006/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,189
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,098
−HK$1,937/mo
Today · 4.125%
HK$75,035
baseline
▲ 0.50% · 4.625%
HK$78,990
+HK$3,955/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,070/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,656
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,978
−HK$2,359/mo
Today · 4.125%
HK$79,337
baseline
▲ 0.50% · 4.625%
HK$84,165
+HK$4,828/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,674/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,054
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,281
−HK$2,260/mo
Today · 4.125%
HK$87,541
baseline
▲ 0.50% · 4.625%
HK$92,155
+HK$4,614/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,082/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,986
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,971
−HK$3,034/mo
Today · 4.125%
HK$102,005
baseline
▲ 0.50% · 4.625%
HK$108,212
+HK$6,207/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,010/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,783
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,647
−HK$2,905/mo
Today · 4.125%
HK$112,552
baseline
▲ 0.50% · 4.625%
HK$118,485
+HK$5,933/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,104/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,893 · Scale 2, in force from 26 Feb 2026)