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$53,566
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,232
−HK$1,693/mo
Today · 4.125%
HK$56,925
baseline
▲ 0.50% · 4.625%
HK$60,389
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,850/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,591
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,190
−HK$1,621/mo
Today · 4.125%
HK$62,811
baseline
▲ 0.50% · 4.625%
HK$66,122
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,622/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,279
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,278
−HK$2,032/mo
Today · 4.125%
HK$68,310
baseline
▲ 0.50% · 4.625%
HK$72,466
+HK$4,156/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$136,620/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,510
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,427
−HK$1,946/mo
Today · 4.125%
HK$75,373
baseline
▲ 0.50% · 4.625%
HK$79,346
+HK$3,973/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$150,746/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,992
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,325
−HK$2,370/mo
Today · 4.125%
HK$79,695
baseline
▲ 0.50% · 4.625%
HK$84,544
+HK$4,849/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,390/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,428
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,665
−HK$2,270/mo
Today · 4.125%
HK$87,935
baseline
▲ 0.50% · 4.625%
HK$92,570
+HK$4,635/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,870/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,418
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,418
−HK$3,047/mo
Today · 4.125%
HK$102,465
baseline
▲ 0.50% · 4.625%
HK$108,699
+HK$6,234/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,930/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,264
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,141
−HK$2,919/mo
Today · 4.125%
HK$113,060
baseline
▲ 0.50% · 4.625%
HK$119,019
+HK$5,959/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,120/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,373 · Scale 2, in force from 26 Feb 2026)