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$53,215
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,870
−HK$1,682/mo
Today · 4.125%
HK$56,552
baseline
▲ 0.50% · 4.625%
HK$59,993
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,104/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,201
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,789
−HK$1,610/mo
Today · 4.125%
HK$62,399
baseline
▲ 0.50% · 4.625%
HK$65,689
+HK$3,290/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,798/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,858
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,844
−HK$2,018/mo
Today · 4.125%
HK$67,862
baseline
▲ 0.50% · 4.625%
HK$71,992
+HK$4,130/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,724/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,041
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,947
−HK$1,932/mo
Today · 4.125%
HK$74,879
baseline
▲ 0.50% · 4.625%
HK$78,826
+HK$3,947/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,758/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,501
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,818
−HK$2,355/mo
Today · 4.125%
HK$79,173
baseline
▲ 0.50% · 4.625%
HK$83,990
+HK$4,817/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,346/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,881
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,104
−HK$2,255/mo
Today · 4.125%
HK$87,359
baseline
▲ 0.50% · 4.625%
HK$91,964
+HK$4,605/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,718/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,787
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,766
−HK$3,027/mo
Today · 4.125%
HK$101,793
baseline
▲ 0.50% · 4.625%
HK$107,987
+HK$6,194/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,586/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,562
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,420
−HK$2,899/mo
Today · 4.125%
HK$112,319
baseline
▲ 0.50% · 4.625%
HK$118,240
+HK$5,921/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,638/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,833 · Scale 2, in force from 26 Feb 2026)