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$53,295
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,953
−HK$1,684/mo
Today · 4.125%
HK$56,637
baseline
▲ 0.50% · 4.625%
HK$60,083
+HK$3,446/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,274/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,290
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,880
−HK$1,613/mo
Today · 4.125%
HK$62,493
baseline
▲ 0.50% · 4.625%
HK$65,787
+HK$3,294/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$124,986/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,954
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,943
−HK$2,021/mo
Today · 4.125%
HK$67,964
baseline
▲ 0.50% · 4.625%
HK$72,100
+HK$4,136/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,928/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,148
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,056
−HK$1,936/mo
Today · 4.125%
HK$74,992
baseline
▲ 0.50% · 4.625%
HK$78,945
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,984/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,613
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,934
−HK$2,358/mo
Today · 4.125%
HK$79,292
baseline
▲ 0.50% · 4.625%
HK$84,116
+HK$4,824/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,584/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,006
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,232
−HK$2,258/mo
Today · 4.125%
HK$87,490
baseline
▲ 0.50% · 4.625%
HK$92,102
+HK$4,612/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,980/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,931
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,915
−HK$3,031/mo
Today · 4.125%
HK$101,946
baseline
▲ 0.50% · 4.625%
HK$108,149
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,892/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,722
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,584
−HK$2,904/mo
Today · 4.125%
HK$112,488
baseline
▲ 0.50% · 4.625%
HK$118,417
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$224,976/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,322 · Scale 2, in force from 26 Feb 2026)