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$53,184
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,838
−HK$1,681/mo
Today · 4.125%
HK$56,519
baseline
▲ 0.50% · 4.625%
HK$59,958
+HK$3,439/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,038/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,166
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,753
−HK$1,610/mo
Today · 4.125%
HK$62,363
baseline
▲ 0.50% · 4.625%
HK$65,650
+HK$3,287/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,726/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,820
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,805
−HK$2,017/mo
Today · 4.125%
HK$67,822
baseline
▲ 0.50% · 4.625%
HK$71,949
+HK$4,127/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$135,644/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,999
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,904
−HK$1,931/mo
Today · 4.125%
HK$74,835
baseline
▲ 0.50% · 4.625%
HK$78,780
+HK$3,945/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$149,670/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,457
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,773
−HK$2,353/mo
Today · 4.125%
HK$79,126
baseline
▲ 0.50% · 4.625%
HK$83,941
+HK$4,815/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,252/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,833
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,054
−HK$2,254/mo
Today · 4.125%
HK$87,308
baseline
▲ 0.50% · 4.625%
HK$91,910
+HK$4,602/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,616/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,730
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,708
−HK$3,026/mo
Today · 4.125%
HK$101,734
baseline
▲ 0.50% · 4.625%
HK$107,924
+HK$6,190/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,468/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,499
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,355
−HK$2,898/mo
Today · 4.125%
HK$112,253
baseline
▲ 0.50% · 4.625%
HK$118,170
+HK$5,917/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,506/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,249 · Scale 2, in force from 26 Feb 2026)