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$53,190
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,844
−HK$1,681/mo
Today · 4.125%
HK$56,525
baseline
▲ 0.50% · 4.625%
HK$59,965
+HK$3,440/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,050/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,173
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,760
−HK$1,610/mo
Today · 4.125%
HK$62,370
baseline
▲ 0.50% · 4.625%
HK$65,658
+HK$3,288/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,740/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,828
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,813
−HK$2,017/mo
Today · 4.125%
HK$67,830
baseline
▲ 0.50% · 4.625%
HK$71,958
+HK$4,128/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,660/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,008
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,912
−HK$1,932/mo
Today · 4.125%
HK$74,844
baseline
▲ 0.50% · 4.625%
HK$78,789
+HK$3,945/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,688/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,466
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,782
−HK$2,353/mo
Today · 4.125%
HK$79,135
baseline
▲ 0.50% · 4.625%
HK$83,950
+HK$4,815/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,270/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,842
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,064
−HK$2,254/mo
Today · 4.125%
HK$87,318
baseline
▲ 0.50% · 4.625%
HK$91,921
+HK$4,603/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,636/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,742
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,720
−HK$3,025/mo
Today · 4.125%
HK$101,745
baseline
▲ 0.50% · 4.625%
HK$107,936
+HK$6,191/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,490/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,512
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,368
−HK$2,898/mo
Today · 4.125%
HK$112,266
baseline
▲ 0.50% · 4.625%
HK$118,184
+HK$5,918/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,532/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,364 · Scale 2, in force from 26 Feb 2026)