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$53,254
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,910
−HK$1,683/mo
Today · 4.125%
HK$56,593
baseline
▲ 0.50% · 4.625%
HK$60,037
+HK$3,444/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,186/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,244
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,833
−HK$1,612/mo
Today · 4.125%
HK$62,445
baseline
▲ 0.50% · 4.625%
HK$65,737
+HK$3,292/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,890/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,905
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,892
−HK$2,020/mo
Today · 4.125%
HK$67,912
baseline
▲ 0.50% · 4.625%
HK$72,044
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,824/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,093
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,000
−HK$1,934/mo
Today · 4.125%
HK$74,934
baseline
▲ 0.50% · 4.625%
HK$78,884
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,868/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,555
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,874
−HK$2,357/mo
Today · 4.125%
HK$79,231
baseline
▲ 0.50% · 4.625%
HK$84,052
+HK$4,821/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,462/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,942
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,167
−HK$2,256/mo
Today · 4.125%
HK$87,423
baseline
▲ 0.50% · 4.625%
HK$92,031
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,846/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,857
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,839
−HK$3,029/mo
Today · 4.125%
HK$101,868
baseline
▲ 0.50% · 4.625%
HK$108,066
+HK$6,198/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,736/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,640
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,500
−HK$2,901/mo
Today · 4.125%
HK$112,401
baseline
▲ 0.50% · 4.625%
HK$118,326
+HK$5,925/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,802/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,558 · Scale 2, in force from 26 Feb 2026)