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$53,273
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,930
−HK$1,684/mo
Today · 4.125%
HK$56,614
baseline
▲ 0.50% · 4.625%
HK$60,059
+HK$3,445/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,228/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,266
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,855
−HK$1,613/mo
Today · 4.125%
HK$62,468
baseline
▲ 0.50% · 4.625%
HK$65,760
+HK$3,292/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,936/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,928
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,916
−HK$2,021/mo
Today · 4.125%
HK$67,937
baseline
▲ 0.50% · 4.625%
HK$72,070
+HK$4,133/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$135,874/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,119
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,026
−HK$1,935/mo
Today · 4.125%
HK$74,961
baseline
▲ 0.50% · 4.625%
HK$78,913
+HK$3,952/mo
Deposit HK$9.35M · loan HK$14.02M · min. income ≈ HK$149,922/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$992,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,582
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,902
−HK$2,357/mo
Today · 4.125%
HK$79,259
baseline
▲ 0.50% · 4.625%
HK$84,082
+HK$4,823/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,518/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,972
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,197
−HK$2,258/mo
Today · 4.125%
HK$87,455
baseline
▲ 0.50% · 4.625%
HK$92,065
+HK$4,610/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,910/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,892
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,874
−HK$3,031/mo
Today · 4.125%
HK$101,905
baseline
▲ 0.50% · 4.625%
HK$108,105
+HK$6,200/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$203,810/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,678
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,539
−HK$2,903/mo
Today · 4.125%
HK$112,442
baseline
▲ 0.50% · 4.625%
HK$118,369
+HK$5,927/mo
Deposit HK$2.34M · loan HK$21.03M · min. income ≈ HK$224,884/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,918 · Scale 2, in force from 26 Feb 2026)