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$53,565
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,231
−HK$1,693/mo
Today · 4.125%
HK$56,924
baseline
▲ 0.50% · 4.625%
HK$60,388
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,848/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,590
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,189
−HK$1,621/mo
Today · 4.125%
HK$62,810
baseline
▲ 0.50% · 4.625%
HK$66,121
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,620/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,278
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,277
−HK$2,032/mo
Today · 4.125%
HK$68,309
baseline
▲ 0.50% · 4.625%
HK$72,465
+HK$4,156/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$136,618/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,508
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,426
−HK$1,946/mo
Today · 4.125%
HK$75,372
baseline
▲ 0.50% · 4.625%
HK$79,345
+HK$3,973/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$150,744/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,991
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,323
−HK$2,370/mo
Today · 4.125%
HK$79,693
baseline
▲ 0.50% · 4.625%
HK$84,543
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,386/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,427
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,664
−HK$2,270/mo
Today · 4.125%
HK$87,934
baseline
▲ 0.50% · 4.625%
HK$92,569
+HK$4,635/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,868/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,417
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,416
−HK$3,047/mo
Today · 4.125%
HK$102,463
baseline
▲ 0.50% · 4.625%
HK$108,698
+HK$6,235/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,926/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,263
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,139
−HK$2,919/mo
Today · 4.125%
HK$113,058
baseline
▲ 0.50% · 4.625%
HK$119,017
+HK$5,959/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,116/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,356 · Scale 2, in force from 26 Feb 2026)