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$53,243
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,900
−HK$1,682/mo
Today · 4.125%
HK$56,582
baseline
▲ 0.50% · 4.625%
HK$60,025
+HK$3,443/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,164/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,233
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,821
−HK$1,612/mo
Today · 4.125%
HK$62,433
baseline
▲ 0.50% · 4.625%
HK$65,724
+HK$3,291/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,866/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,892
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,880
−HK$2,019/mo
Today · 4.125%
HK$67,899
baseline
▲ 0.50% · 4.625%
HK$72,030
+HK$4,131/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,798/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,079
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,986
−HK$1,934/mo
Today · 4.125%
HK$74,920
baseline
▲ 0.50% · 4.625%
HK$78,869
+HK$3,949/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,840/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,541
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,860
−HK$2,355/mo
Today · 4.125%
HK$79,215
baseline
▲ 0.50% · 4.625%
HK$84,035
+HK$4,820/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,430/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,926
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,150
−HK$2,256/mo
Today · 4.125%
HK$87,406
baseline
▲ 0.50% · 4.625%
HK$92,014
+HK$4,608/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,812/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,838
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,819
−HK$3,029/mo
Today · 4.125%
HK$101,848
baseline
▲ 0.50% · 4.625%
HK$108,045
+HK$6,197/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,696/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,619
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,479
−HK$2,900/mo
Today · 4.125%
HK$112,379
baseline
▲ 0.50% · 4.625%
HK$118,303
+HK$5,924/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,758/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,366 · Scale 2, in force from 26 Feb 2026)