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$53,200
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,854
−HK$1,682/mo
Today · 4.125%
HK$56,536
baseline
▲ 0.50% · 4.625%
HK$59,976
+HK$3,440/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,072/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,184
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,771
−HK$1,611/mo
Today · 4.125%
HK$62,382
baseline
▲ 0.50% · 4.625%
HK$65,670
+HK$3,288/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,764/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,840
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,825
−HK$2,018/mo
Today · 4.125%
HK$67,843
baseline
▲ 0.50% · 4.625%
HK$71,971
+HK$4,128/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,686/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,021
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,926
−HK$1,932/mo
Today · 4.125%
HK$74,858
baseline
▲ 0.50% · 4.625%
HK$78,804
+HK$3,946/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,716/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,479
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,796
−HK$2,354/mo
Today · 4.125%
HK$79,150
baseline
▲ 0.50% · 4.625%
HK$83,966
+HK$4,816/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,300/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,858
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,080
−HK$2,254/mo
Today · 4.125%
HK$87,334
baseline
▲ 0.50% · 4.625%
HK$91,938
+HK$4,604/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,668/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,759
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,738
−HK$3,026/mo
Today · 4.125%
HK$101,764
baseline
▲ 0.50% · 4.625%
HK$107,956
+HK$6,192/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,528/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,531
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$109,388
−HK$2,899/mo
Today · 4.125%
HK$112,287
baseline
▲ 0.50% · 4.625%
HK$118,206
+HK$5,919/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,574/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,549 · Scale 2, in force from 26 Feb 2026)