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$53,568
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,235
−HK$1,692/mo
Today · 4.125%
HK$56,927
baseline
▲ 0.50% · 4.625%
HK$60,391
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,854/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,594
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,192
−HK$1,622/mo
Today · 4.125%
HK$62,814
baseline
▲ 0.50% · 4.625%
HK$66,125
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,628/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,282
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,281
−HK$2,032/mo
Today · 4.125%
HK$68,313
baseline
▲ 0.50% · 4.625%
HK$72,470
+HK$4,157/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,626/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,513
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,431
−HK$1,946/mo
Today · 4.125%
HK$75,377
baseline
▲ 0.50% · 4.625%
HK$79,350
+HK$3,973/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,754/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,996
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,328
−HK$2,370/mo
Today · 4.125%
HK$79,698
baseline
▲ 0.50% · 4.625%
HK$84,548
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,396/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,432
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,669
−HK$2,270/mo
Today · 4.125%
HK$87,939
baseline
▲ 0.50% · 4.625%
HK$92,575
+HK$4,636/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,878/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,423
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,422
−HK$3,047/mo
Today · 4.125%
HK$102,469
baseline
▲ 0.50% · 4.625%
HK$108,704
+HK$6,235/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,938/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,269
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,146
−HK$2,919/mo
Today · 4.125%
HK$113,065
baseline
▲ 0.50% · 4.625%
HK$119,025
+HK$5,960/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,130/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,419 · Scale 2, in force from 26 Feb 2026)