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$55,234
−HK$1,693/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$998,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,594
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,192
−HK$1,621/mo
Today · 4.125%
HK$62,813
baseline
▲ 0.50% · 4.625%
HK$66,124
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,626/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,281
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,281
−HK$2,032/mo
Today · 4.125%
HK$68,313
baseline
▲ 0.50% · 4.625%
HK$72,469
+HK$4,156/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$998,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,513
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,430
−HK$1,946/mo
Today · 4.125%
HK$75,376
baseline
▲ 0.50% · 4.625%
HK$79,349
+HK$3,973/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,752/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,995
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,328
−HK$2,370/mo
Today · 4.125%
HK$79,698
baseline
▲ 0.50% · 4.625%
HK$84,547
+HK$4,849/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$998,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,431
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,669
−HK$2,270/mo
Today · 4.125%
HK$87,939
baseline
▲ 0.50% · 4.625%
HK$92,574
+HK$4,635/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$998,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,422
−HK$6,047/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$998,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,269
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,146
−HK$2,918/mo
Today · 4.125%
HK$113,064
baseline
▲ 0.50% · 4.625%
HK$119,024
+HK$5,960/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,128/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,413 · Scale 2, in force from 26 Feb 2026)