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$53,271
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,928
−HK$1,684/mo
Today · 4.125%
HK$56,612
baseline
▲ 0.50% · 4.625%
HK$60,057
+HK$3,445/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,224/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,264
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,853
−HK$1,613/mo
Today · 4.125%
HK$62,466
baseline
▲ 0.50% · 4.625%
HK$65,758
+HK$3,292/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,932/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,926
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,914
−HK$2,020/mo
Today · 4.125%
HK$67,934
baseline
▲ 0.50% · 4.625%
HK$72,068
+HK$4,134/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$135,868/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,117
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,024
−HK$1,935/mo
Today · 4.125%
HK$74,959
baseline
▲ 0.50% · 4.625%
HK$78,910
+HK$3,951/mo
Deposit HK$9.34M · loan HK$14.02M · min. income ≈ HK$149,918/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,580
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,900
−HK$2,357/mo
Today · 4.125%
HK$79,257
baseline
▲ 0.50% · 4.625%
HK$84,079
+HK$4,822/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,514/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,970
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,195
−HK$2,257/mo
Today · 4.125%
HK$87,452
baseline
▲ 0.50% · 4.625%
HK$92,062
+HK$4,610/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,904/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,889
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,871
−HK$3,031/mo
Today · 4.125%
HK$101,902
baseline
▲ 0.50% · 4.625%
HK$108,102
+HK$6,200/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,804/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,675
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,536
−HK$2,902/mo
Today · 4.125%
HK$112,438
baseline
▲ 0.50% · 4.625%
HK$118,365
+HK$5,927/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,876/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,887 · Scale 2, in force from 26 Feb 2026)