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$53,305
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,963
−HK$1,685/mo
Today · 4.125%
HK$56,648
baseline
▲ 0.50% · 4.625%
HK$60,095
+HK$3,447/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$113,296/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,301
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,892
−HK$1,613/mo
Today · 4.125%
HK$62,505
baseline
▲ 0.50% · 4.625%
HK$65,800
+HK$3,295/mo
Deposit HK$11.69M · loan HK$11.69M · min. income ≈ HK$125,010/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$993,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,966
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,956
−HK$2,021/mo
Today · 4.125%
HK$67,977
baseline
▲ 0.50% · 4.625%
HK$72,113
+HK$4,136/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$135,954/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,162
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,070
−HK$1,936/mo
Today · 4.125%
HK$75,006
baseline
▲ 0.50% · 4.625%
HK$78,960
+HK$3,954/mo
Deposit HK$9.35M · loan HK$14.03M · min. income ≈ HK$150,012/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$993,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,627
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,948
−HK$2,359/mo
Today · 4.125%
HK$79,307
baseline
▲ 0.50% · 4.625%
HK$84,132
+HK$4,825/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$158,614/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,022
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,248
−HK$2,259/mo
Today · 4.125%
HK$87,507
baseline
▲ 0.50% · 4.625%
HK$92,120
+HK$4,613/mo
Deposit HK$7.01M · loan HK$16.36M · min. income ≈ HK$175,014/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$993,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,949
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$98,934
−HK$3,032/mo
Today · 4.125%
HK$101,966
baseline
▲ 0.50% · 4.625%
HK$108,170
+HK$6,204/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$203,932/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,742
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,605
−HK$2,904/mo
Today · 4.125%
HK$112,509
baseline
▲ 0.50% · 4.625%
HK$118,440
+HK$5,931/mo
Deposit HK$2.34M · loan HK$21.04M · min. income ≈ HK$225,018/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$993,513 · Scale 2, in force from 26 Feb 2026)