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$53,579
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,245
−HK$1,694/mo
Today · 4.125%
HK$56,939
baseline
▲ 0.50% · 4.625%
HK$60,403
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,878/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,606
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,204
−HK$1,622/mo
Today · 4.125%
HK$62,826
baseline
▲ 0.50% · 4.625%
HK$66,138
+HK$3,312/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,652/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,294
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,294
−HK$2,032/mo
Today · 4.125%
HK$68,326
baseline
▲ 0.50% · 4.625%
HK$72,484
+HK$4,158/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,652/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,527
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,445
−HK$1,946/mo
Today · 4.125%
HK$75,391
baseline
▲ 0.50% · 4.625%
HK$79,365
+HK$3,974/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,782/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,010
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,343
−HK$2,371/mo
Today · 4.125%
HK$79,714
baseline
▲ 0.50% · 4.625%
HK$84,564
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,428/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,448
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,686
−HK$2,271/mo
Today · 4.125%
HK$87,957
baseline
▲ 0.50% · 4.625%
HK$92,593
+HK$4,636/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,914/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,442
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,442
−HK$3,047/mo
Today · 4.125%
HK$102,489
baseline
▲ 0.50% · 4.625%
HK$108,726
+HK$6,237/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$204,978/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,290
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,168
−HK$2,919/mo
Today · 4.125%
HK$113,087
baseline
▲ 0.50% · 4.625%
HK$119,048
+HK$5,961/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,174/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,614 · Scale 2, in force from 26 Feb 2026)