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$53,329
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,988
−HK$1,685/mo
Today · 4.125%
HK$56,673
baseline
▲ 0.50% · 4.625%
HK$60,122
+HK$3,449/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,346/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,328
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,919
−HK$1,614/mo
Today · 4.125%
HK$62,533
baseline
▲ 0.50% · 4.625%
HK$65,830
+HK$3,297/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,066/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$993,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,995
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,986
−HK$2,022/mo
Today · 4.125%
HK$68,008
baseline
▲ 0.50% · 4.625%
HK$72,146
+HK$4,138/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$136,016/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,194
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,103
−HK$1,937/mo
Today · 4.125%
HK$75,040
baseline
▲ 0.50% · 4.625%
HK$78,996
+HK$3,956/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,080/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,661
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,983
−HK$2,360/mo
Today · 4.125%
HK$79,343
baseline
▲ 0.50% · 4.625%
HK$84,171
+HK$4,828/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$158,686/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,059
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,287
−HK$2,260/mo
Today · 4.125%
HK$87,547
baseline
▲ 0.50% · 4.625%
HK$92,162
+HK$4,615/mo
Deposit HK$7.02M · loan HK$16.37M · min. income ≈ HK$175,094/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,992
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,978
−HK$3,034/mo
Today · 4.125%
HK$102,012
baseline
▲ 0.50% · 4.625%
HK$108,219
+HK$6,207/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$204,024/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,791
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,655
−HK$2,905/mo
Today · 4.125%
HK$112,560
baseline
▲ 0.50% · 4.625%
HK$118,493
+HK$5,933/mo
Deposit HK$2.34M · loan HK$21.05M · min. income ≈ HK$225,120/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,963 · Scale 2, in force from 26 Feb 2026)