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$53,203
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,858
−HK$1,681/mo
Today · 4.125%
HK$56,539
baseline
▲ 0.50% · 4.625%
HK$59,979
+HK$3,440/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,078/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,188
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,775
−HK$1,610/mo
Today · 4.125%
HK$62,385
baseline
▲ 0.50% · 4.625%
HK$65,674
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,770/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,843
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,829
−HK$2,018/mo
Today · 4.125%
HK$67,847
baseline
▲ 0.50% · 4.625%
HK$71,975
+HK$4,128/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,694/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,025
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,930
−HK$1,932/mo
Today · 4.125%
HK$74,862
baseline
▲ 0.50% · 4.625%
HK$78,808
+HK$3,946/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,724/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,484
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,801
−HK$2,354/mo
Today · 4.125%
HK$79,155
baseline
▲ 0.50% · 4.625%
HK$83,971
+HK$4,816/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,310/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,863
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,085
−HK$2,254/mo
Today · 4.125%
HK$87,339
baseline
▲ 0.50% · 4.625%
HK$91,943
+HK$4,604/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,678/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,765
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,744
−HK$3,026/mo
Today · 4.125%
HK$101,770
baseline
▲ 0.50% · 4.625%
HK$107,963
+HK$6,193/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,540/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,538
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,395
−HK$2,898/mo
Today · 4.125%
HK$112,293
baseline
▲ 0.50% · 4.625%
HK$118,213
+HK$5,920/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,586/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,607 · Scale 2, in force from 26 Feb 2026)