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$53,585
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,251
−HK$1,694/mo
Today · 4.125%
HK$56,945
baseline
▲ 0.50% · 4.625%
HK$60,410
+HK$3,465/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,890/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,612
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,211
−HK$1,622/mo
Today · 4.125%
HK$62,833
baseline
▲ 0.50% · 4.625%
HK$66,145
+HK$3,312/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,666/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,302
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,302
−HK$2,032/mo
Today · 4.125%
HK$68,334
baseline
▲ 0.50% · 4.625%
HK$72,492
+HK$4,158/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,668/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,535
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,453
−HK$1,947/mo
Today · 4.125%
HK$75,400
baseline
▲ 0.50% · 4.625%
HK$79,374
+HK$3,974/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,800/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,018
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,352
−HK$2,371/mo
Today · 4.125%
HK$79,723
baseline
▲ 0.50% · 4.625%
HK$84,574
+HK$4,851/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,446/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,457
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,696
−HK$2,270/mo
Today · 4.125%
HK$87,966
baseline
▲ 0.50% · 4.625%
HK$92,603
+HK$4,637/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,932/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,452
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,453
−HK$3,048/mo
Today · 4.125%
HK$102,501
baseline
▲ 0.50% · 4.625%
HK$108,738
+HK$6,237/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$205,002/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,302
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,180
−HK$2,919/mo
Today · 4.125%
HK$113,099
baseline
▲ 0.50% · 4.625%
HK$119,061
+HK$5,962/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,198/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,724 · Scale 2, in force from 26 Feb 2026)