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$53,601
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,268
−HK$1,694/mo
Today · 4.125%
HK$56,962
baseline
▲ 0.50% · 4.625%
HK$60,428
+HK$3,466/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,924/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,630
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,230
−HK$1,622/mo
Today · 4.125%
HK$62,852
baseline
▲ 0.50% · 4.625%
HK$66,165
+HK$3,313/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,704/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,321
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,322
−HK$2,033/mo
Today · 4.125%
HK$68,355
baseline
▲ 0.50% · 4.625%
HK$72,514
+HK$4,159/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,710/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,557
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,476
−HK$1,947/mo
Today · 4.125%
HK$75,423
baseline
▲ 0.50% · 4.625%
HK$79,398
+HK$3,975/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,846/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,041
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,375
−HK$2,372/mo
Today · 4.125%
HK$79,747
baseline
▲ 0.50% · 4.625%
HK$84,599
+HK$4,852/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,494/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,483
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,722
−HK$2,271/mo
Today · 4.125%
HK$87,993
baseline
▲ 0.50% · 4.625%
HK$92,631
+HK$4,638/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,986/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,482
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,483
−HK$3,049/mo
Today · 4.125%
HK$102,532
baseline
▲ 0.50% · 4.625%
HK$108,771
+HK$6,239/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,064/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,335
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,213
−HK$2,921/mo
Today · 4.125%
HK$113,134
baseline
▲ 0.50% · 4.625%
HK$119,097
+HK$5,963/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,268/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,028 · Scale 2, in force from 26 Feb 2026)