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$53,267
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,924
−HK$1,683/mo
Today · 4.125%
HK$56,607
baseline
▲ 0.50% · 4.625%
HK$60,052
+HK$3,445/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,214/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,259
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,848
−HK$1,613/mo
Today · 4.125%
HK$62,461
baseline
▲ 0.50% · 4.625%
HK$65,753
+HK$3,292/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,922/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,921
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,909
−HK$2,020/mo
Today · 4.125%
HK$67,929
baseline
▲ 0.50% · 4.625%
HK$72,062
+HK$4,133/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$135,858/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,111
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,018
−HK$1,935/mo
Today · 4.125%
HK$74,953
baseline
▲ 0.50% · 4.625%
HK$78,904
+HK$3,951/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$149,906/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,574
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,894
−HK$2,356/mo
Today · 4.125%
HK$79,250
baseline
▲ 0.50% · 4.625%
HK$84,073
+HK$4,823/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,500/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,963
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,188
−HK$2,257/mo
Today · 4.125%
HK$87,445
baseline
▲ 0.50% · 4.625%
HK$92,054
+HK$4,609/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,890/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,881
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,863
−HK$3,030/mo
Today · 4.125%
HK$101,893
baseline
▲ 0.50% · 4.625%
HK$108,093
+HK$6,200/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,786/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,666
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,527
−HK$2,902/mo
Today · 4.125%
HK$112,429
baseline
▲ 0.50% · 4.625%
HK$118,356
+HK$5,927/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,858/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,807 · Scale 2, in force from 26 Feb 2026)