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$53,280
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,937
−HK$1,684/mo
Today · 4.125%
HK$56,621
baseline
▲ 0.50% · 4.625%
HK$60,066
+HK$3,445/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,242/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,273
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,863
−HK$1,613/mo
Today · 4.125%
HK$62,476
baseline
▲ 0.50% · 4.625%
HK$65,769
+HK$3,293/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,952/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,936
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,925
−HK$2,020/mo
Today · 4.125%
HK$67,945
baseline
▲ 0.50% · 4.625%
HK$72,080
+HK$4,135/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,890/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,128
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,036
−HK$1,935/mo
Today · 4.125%
HK$74,971
baseline
▲ 0.50% · 4.625%
HK$78,923
+HK$3,952/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,942/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,592
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,912
−HK$2,357/mo
Today · 4.125%
HK$79,269
baseline
▲ 0.50% · 4.625%
HK$84,093
+HK$4,824/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,538/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,983
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,208
−HK$2,258/mo
Today · 4.125%
HK$87,466
baseline
▲ 0.50% · 4.625%
HK$92,077
+HK$4,611/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$174,932/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$993,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,904
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,887
−HK$3,031/mo
Today · 4.125%
HK$101,918
baseline
▲ 0.50% · 4.625%
HK$108,119
+HK$6,201/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,836/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,692
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,554
−HK$2,902/mo
Today · 4.125%
HK$112,456
baseline
▲ 0.50% · 4.625%
HK$118,384
+HK$5,928/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,912/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,045 · Scale 2, in force from 26 Feb 2026)