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$53,234
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,890
−HK$1,682/mo
Today · 4.125%
HK$56,572
baseline
▲ 0.50% · 4.625%
HK$60,015
+HK$3,443/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,144/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,223
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,811
−HK$1,611/mo
Today · 4.125%
HK$62,422
baseline
▲ 0.50% · 4.625%
HK$65,712
+HK$3,290/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,844/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,881
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,868
−HK$2,019/mo
Today · 4.125%
HK$67,887
baseline
▲ 0.50% · 4.625%
HK$72,018
+HK$4,131/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,774/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,067
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,973
−HK$1,934/mo
Today · 4.125%
HK$74,907
baseline
▲ 0.50% · 4.625%
HK$78,855
+HK$3,948/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,814/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,528
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,846
−HK$2,355/mo
Today · 4.125%
HK$79,201
baseline
▲ 0.50% · 4.625%
HK$84,021
+HK$4,820/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,402/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,912
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,135
−HK$2,256/mo
Today · 4.125%
HK$87,391
baseline
▲ 0.50% · 4.625%
HK$91,997
+HK$4,606/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,782/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,822
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,802
−HK$3,028/mo
Today · 4.125%
HK$101,830
baseline
▲ 0.50% · 4.625%
HK$108,027
+HK$6,197/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,660/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,601
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$109,460
−HK$2,900/mo
Today · 4.125%
HK$112,360
baseline
▲ 0.50% · 4.625%
HK$118,282
+HK$5,922/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,720/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,193 · Scale 2, in force from 26 Feb 2026)