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$53,209
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,864
−HK$1,681/mo
Today · 4.125%
HK$56,545
baseline
▲ 0.50% · 4.625%
HK$59,986
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,090/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,194
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,782
−HK$1,610/mo
Today · 4.125%
HK$62,392
baseline
▲ 0.50% · 4.625%
HK$65,681
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,784/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,851
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,837
−HK$2,018/mo
Today · 4.125%
HK$67,855
baseline
▲ 0.50% · 4.625%
HK$71,983
+HK$4,128/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,710/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,033
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,938
−HK$1,933/mo
Today · 4.125%
HK$74,871
baseline
▲ 0.50% · 4.625%
HK$78,817
+HK$3,946/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,742/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,492
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,809
−HK$2,355/mo
Today · 4.125%
HK$79,164
baseline
▲ 0.50% · 4.625%
HK$83,981
+HK$4,817/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,328/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,872
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,095
−HK$2,254/mo
Today · 4.125%
HK$87,349
baseline
▲ 0.50% · 4.625%
HK$91,954
+HK$4,605/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,698/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,776
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,755
−HK$3,027/mo
Today · 4.125%
HK$101,782
baseline
▲ 0.50% · 4.625%
HK$107,975
+HK$6,193/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,564/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,550
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$109,407
−HK$2,899/mo
Today · 4.125%
HK$112,306
baseline
▲ 0.50% · 4.625%
HK$118,226
+HK$5,920/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,612/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,720 · Scale 2, in force from 26 Feb 2026)