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$53,252
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,908
−HK$1,683/mo
Today · 4.125%
HK$56,591
baseline
▲ 0.50% · 4.625%
HK$60,034
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,182/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,242
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,831
−HK$1,612/mo
Today · 4.125%
HK$62,443
baseline
▲ 0.50% · 4.625%
HK$65,734
+HK$3,291/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,886/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,902
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,890
−HK$2,019/mo
Today · 4.125%
HK$67,909
baseline
▲ 0.50% · 4.625%
HK$72,041
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,818/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,090
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,997
−HK$1,934/mo
Today · 4.125%
HK$74,931
baseline
▲ 0.50% · 4.625%
HK$78,881
+HK$3,950/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,862/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,552
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,871
−HK$2,356/mo
Today · 4.125%
HK$79,227
baseline
▲ 0.50% · 4.625%
HK$84,048
+HK$4,821/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,454/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,939
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,163
−HK$2,257/mo
Today · 4.125%
HK$87,420
baseline
▲ 0.50% · 4.625%
HK$92,028
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,840/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,853
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,834
−HK$3,030/mo
Today · 4.125%
HK$101,864
baseline
▲ 0.50% · 4.625%
HK$108,062
+HK$6,198/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,728/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,635
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,495
−HK$2,902/mo
Today · 4.125%
HK$112,397
baseline
▲ 0.50% · 4.625%
HK$118,321
+HK$5,924/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,794/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,517 · Scale 2, in force from 26 Feb 2026)