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$53,573
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,239
−HK$1,693/mo
Today · 4.125%
HK$56,932
baseline
▲ 0.50% · 4.625%
HK$60,396
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,864/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,599
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,198
−HK$1,621/mo
Today · 4.125%
HK$62,819
baseline
▲ 0.50% · 4.625%
HK$66,130
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,638/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,287
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,287
−HK$2,032/mo
Today · 4.125%
HK$68,319
baseline
▲ 0.50% · 4.625%
HK$72,476
+HK$4,157/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,638/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,519
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,437
−HK$1,946/mo
Today · 4.125%
HK$75,383
baseline
▲ 0.50% · 4.625%
HK$79,356
+HK$3,973/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,766/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,002
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,335
−HK$2,370/mo
Today · 4.125%
HK$79,705
baseline
▲ 0.50% · 4.625%
HK$84,555
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,410/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,439
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,677
−HK$2,270/mo
Today · 4.125%
HK$87,947
baseline
▲ 0.50% · 4.625%
HK$92,582
+HK$4,635/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,894/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,431
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,430
−HK$3,048/mo
Today · 4.125%
HK$102,478
baseline
▲ 0.50% · 4.625%
HK$108,713
+HK$6,235/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,956/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,278
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,156
−HK$2,918/mo
Today · 4.125%
HK$113,074
baseline
▲ 0.50% · 4.625%
HK$119,035
+HK$5,961/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,148/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,502 · Scale 2, in force from 26 Feb 2026)