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$53,225
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,880
−HK$1,682/mo
Today · 4.125%
HK$56,562
baseline
▲ 0.50% · 4.625%
HK$60,004
+HK$3,442/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,124/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$992,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,212
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,800
−HK$1,611/mo
Today · 4.125%
HK$62,411
baseline
▲ 0.50% · 4.625%
HK$65,701
+HK$3,290/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,822/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$992,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,869
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,856
−HK$2,019/mo
Today · 4.125%
HK$67,875
baseline
▲ 0.50% · 4.625%
HK$72,005
+HK$4,130/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$135,750/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,054
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,960
−HK$1,933/mo
Today · 4.125%
HK$74,893
baseline
▲ 0.50% · 4.625%
HK$78,841
+HK$3,948/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$149,786/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,514
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,832
−HK$2,355/mo
Today · 4.125%
HK$79,187
baseline
▲ 0.50% · 4.625%
HK$84,005
+HK$4,818/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,374/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$992,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,897
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,120
−HK$2,255/mo
Today · 4.125%
HK$87,375
baseline
▲ 0.50% · 4.625%
HK$91,981
+HK$4,606/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,750/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$992,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,804
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,784
−HK$3,028/mo
Today · 4.125%
HK$101,812
baseline
▲ 0.50% · 4.625%
HK$108,007
+HK$6,195/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,624/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,581
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,440
−HK$2,899/mo
Today · 4.125%
HK$112,339
baseline
▲ 0.50% · 4.625%
HK$118,261
+HK$5,922/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,678/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,014 · Scale 2, in force from 26 Feb 2026)