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$53,232
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,888
−HK$1,682/mo
Today · 4.125%
HK$56,570
baseline
▲ 0.50% · 4.625%
HK$60,012
+HK$3,442/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,140/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$992,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,220
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,808
−HK$1,612/mo
Today · 4.125%
HK$62,420
baseline
▲ 0.50% · 4.625%
HK$65,710
+HK$3,290/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,840/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$992,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,878
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,865
−HK$2,019/mo
Today · 4.125%
HK$67,884
baseline
▲ 0.50% · 4.625%
HK$72,015
+HK$4,131/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,768/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,064
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,970
−HK$1,933/mo
Today · 4.125%
HK$74,903
baseline
▲ 0.50% · 4.625%
HK$78,852
+HK$3,949/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,806/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,525
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,843
−HK$2,355/mo
Today · 4.125%
HK$79,198
baseline
▲ 0.50% · 4.625%
HK$84,017
+HK$4,819/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,396/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,908
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,132
−HK$2,255/mo
Today · 4.125%
HK$87,387
baseline
▲ 0.50% · 4.625%
HK$91,994
+HK$4,607/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,774/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,818
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,798
−HK$3,028/mo
Today · 4.125%
HK$101,826
baseline
▲ 0.50% · 4.625%
HK$108,022
+HK$6,196/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,652/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,596
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$109,455
−HK$2,900/mo
Today · 4.125%
HK$112,355
baseline
▲ 0.50% · 4.625%
HK$118,278
+HK$5,923/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,710/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,152 · Scale 2, in force from 26 Feb 2026)