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$53,242
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,898
−HK$1,683/mo
Today · 4.125%
HK$56,581
baseline
▲ 0.50% · 4.625%
HK$60,024
+HK$3,443/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,162/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,231
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,820
−HK$1,611/mo
Today · 4.125%
HK$62,431
baseline
▲ 0.50% · 4.625%
HK$65,722
+HK$3,291/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,862/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,891
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,878
−HK$2,019/mo
Today · 4.125%
HK$67,897
baseline
▲ 0.50% · 4.625%
HK$72,029
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,794/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,078
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,984
−HK$1,934/mo
Today · 4.125%
HK$74,918
baseline
▲ 0.50% · 4.625%
HK$78,867
+HK$3,949/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,836/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,539
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,858
−HK$2,355/mo
Today · 4.125%
HK$79,213
baseline
▲ 0.50% · 4.625%
HK$84,033
+HK$4,820/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,426/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,924
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,148
−HK$2,256/mo
Today · 4.125%
HK$87,404
baseline
▲ 0.50% · 4.625%
HK$92,011
+HK$4,607/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,808/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,836
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,817
−HK$3,029/mo
Today · 4.125%
HK$101,846
baseline
▲ 0.50% · 4.625%
HK$108,043
+HK$6,197/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,692/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,617
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,476
−HK$2,901/mo
Today · 4.125%
HK$112,377
baseline
▲ 0.50% · 4.625%
HK$118,300
+HK$5,923/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,754/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,342 · Scale 2, in force from 26 Feb 2026)