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$53,248
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,904
−HK$1,683/mo
Today · 4.125%
HK$56,587
baseline
▲ 0.50% · 4.625%
HK$60,030
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,174/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,238
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,826
−HK$1,612/mo
Today · 4.125%
HK$62,438
baseline
▲ 0.50% · 4.625%
HK$65,729
+HK$3,291/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,876/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,897
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,885
−HK$2,019/mo
Today · 4.125%
HK$67,904
baseline
▲ 0.50% · 4.625%
HK$72,036
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,808/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,085
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,992
−HK$1,934/mo
Today · 4.125%
HK$74,926
baseline
▲ 0.50% · 4.625%
HK$78,875
+HK$3,949/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,852/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,547
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,866
−HK$2,356/mo
Today · 4.125%
HK$79,222
baseline
▲ 0.50% · 4.625%
HK$84,042
+HK$4,820/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,444/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,933
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,157
−HK$2,256/mo
Today · 4.125%
HK$87,413
baseline
▲ 0.50% · 4.625%
HK$92,021
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,826/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,846
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,828
−HK$3,029/mo
Today · 4.125%
HK$101,857
baseline
▲ 0.50% · 4.625%
HK$108,054
+HK$6,197/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,714/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,628
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,488
−HK$2,901/mo
Today · 4.125%
HK$112,389
baseline
▲ 0.50% · 4.625%
HK$118,313
+HK$5,924/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,778/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,448 · Scale 2, in force from 26 Feb 2026)