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$53,574
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,240
−HK$1,693/mo
Today · 4.125%
HK$56,933
baseline
▲ 0.50% · 4.625%
HK$60,397
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,866/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,600
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,199
−HK$1,621/mo
Today · 4.125%
HK$62,820
baseline
▲ 0.50% · 4.625%
HK$66,131
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,640/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,288
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,288
−HK$2,032/mo
Today · 4.125%
HK$68,320
baseline
▲ 0.50% · 4.625%
HK$72,477
+HK$4,157/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,640/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,520
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,438
−HK$1,946/mo
Today · 4.125%
HK$75,384
baseline
▲ 0.50% · 4.625%
HK$79,358
+HK$3,974/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,768/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,003
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,336
−HK$2,370/mo
Today · 4.125%
HK$79,706
baseline
▲ 0.50% · 4.625%
HK$84,556
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,412/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,440
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,678
−HK$2,270/mo
Today · 4.125%
HK$87,948
baseline
▲ 0.50% · 4.625%
HK$92,584
+HK$4,636/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,896/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,432
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,432
−HK$3,048/mo
Today · 4.125%
HK$102,480
baseline
▲ 0.50% · 4.625%
HK$108,715
+HK$6,235/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$204,960/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,280
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,157
−HK$2,919/mo
Today · 4.125%
HK$113,076
baseline
▲ 0.50% · 4.625%
HK$119,037
+HK$5,961/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,152/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,519 · Scale 2, in force from 26 Feb 2026)