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$53,297
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,955
−HK$1,684/mo
Today · 4.125%
HK$56,639
baseline
▲ 0.50% · 4.625%
HK$60,085
+HK$3,446/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,278/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,292
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,882
−HK$1,613/mo
Today · 4.125%
HK$62,495
baseline
▲ 0.50% · 4.625%
HK$65,790
+HK$3,295/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$124,990/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,956
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,945
−HK$2,022/mo
Today · 4.125%
HK$67,967
baseline
▲ 0.50% · 4.625%
HK$72,102
+HK$4,135/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,934/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,150
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,059
−HK$1,936/mo
Today · 4.125%
HK$74,995
baseline
▲ 0.50% · 4.625%
HK$78,948
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,990/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,615
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,936
−HK$2,358/mo
Today · 4.125%
HK$79,294
baseline
▲ 0.50% · 4.625%
HK$84,119
+HK$4,825/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,588/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,009
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,235
−HK$2,259/mo
Today · 4.125%
HK$87,494
baseline
▲ 0.50% · 4.625%
HK$92,105
+HK$4,611/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,988/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,934
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,918
−HK$3,032/mo
Today · 4.125%
HK$101,950
baseline
▲ 0.50% · 4.625%
HK$108,153
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,900/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,726
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,588
−HK$2,904/mo
Today · 4.125%
HK$112,492
baseline
▲ 0.50% · 4.625%
HK$118,421
+HK$5,929/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$224,984/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,358 · Scale 2, in force from 26 Feb 2026)