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$53,315
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,973
−HK$1,685/mo
Today · 4.125%
HK$56,658
baseline
▲ 0.50% · 4.625%
HK$60,106
+HK$3,448/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,316/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,312
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,903
−HK$1,614/mo
Today · 4.125%
HK$62,517
baseline
▲ 0.50% · 4.625%
HK$65,812
+HK$3,295/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,034/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,978
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,968
−HK$2,022/mo
Today · 4.125%
HK$67,990
baseline
▲ 0.50% · 4.625%
HK$72,127
+HK$4,137/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$135,980/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,174
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,083
−HK$1,937/mo
Today · 4.125%
HK$75,020
baseline
▲ 0.50% · 4.625%
HK$78,974
+HK$3,954/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,040/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$993,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,641
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,962
−HK$2,359/mo
Today · 4.125%
HK$79,321
baseline
▲ 0.50% · 4.625%
HK$84,148
+HK$4,827/mo
Deposit HK$7.01M · loan HK$16.37M · min. income ≈ HK$158,642/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,037
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,264
−HK$2,259/mo
Today · 4.125%
HK$87,523
baseline
▲ 0.50% · 4.625%
HK$92,137
+HK$4,614/mo
Deposit HK$7.01M · loan HK$16.37M · min. income ≈ HK$175,046/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,966
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,952
−HK$3,032/mo
Today · 4.125%
HK$101,984
baseline
▲ 0.50% · 4.625%
HK$108,190
+HK$6,206/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,968/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,762
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,625
−HK$2,905/mo
Today · 4.125%
HK$112,530
baseline
▲ 0.50% · 4.625%
HK$118,461
+HK$5,931/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$225,060/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,694 · Scale 2, in force from 26 Feb 2026)