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$53,290
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,948
−HK$1,684/mo
Today · 4.125%
HK$56,632
baseline
▲ 0.50% · 4.625%
HK$60,078
+HK$3,446/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,264/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,285
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,875
−HK$1,613/mo
Today · 4.125%
HK$62,488
baseline
▲ 0.50% · 4.625%
HK$65,781
+HK$3,293/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$124,976/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,948
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,937
−HK$2,021/mo
Today · 4.125%
HK$67,958
baseline
▲ 0.50% · 4.625%
HK$72,093
+HK$4,135/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,916/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,141
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,049
−HK$1,936/mo
Today · 4.125%
HK$74,985
baseline
▲ 0.50% · 4.625%
HK$78,938
+HK$3,953/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,970/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,606
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,927
−HK$2,357/mo
Today · 4.125%
HK$79,284
baseline
▲ 0.50% · 4.625%
HK$84,109
+HK$4,825/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,568/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,998
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,224
−HK$2,259/mo
Today · 4.125%
HK$87,483
baseline
▲ 0.50% · 4.625%
HK$92,094
+HK$4,611/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,966/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,922
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,906
−HK$3,031/mo
Today · 4.125%
HK$101,937
baseline
▲ 0.50% · 4.625%
HK$108,140
+HK$6,203/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,874/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,712
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,574
−HK$2,904/mo
Today · 4.125%
HK$112,478
baseline
▲ 0.50% · 4.625%
HK$118,406
+HK$5,928/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,956/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,232 · Scale 2, in force from 26 Feb 2026)