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$53,218
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,874
−HK$1,682/mo
Today · 4.125%
HK$56,556
baseline
▲ 0.50% · 4.625%
HK$59,997
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,112/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,205
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,793
−HK$1,611/mo
Today · 4.125%
HK$62,404
baseline
▲ 0.50% · 4.625%
HK$65,693
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,808/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,862
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,849
−HK$2,018/mo
Today · 4.125%
HK$67,867
baseline
▲ 0.50% · 4.625%
HK$71,996
+HK$4,129/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$135,734/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,046
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,951
−HK$1,933/mo
Today · 4.125%
HK$74,884
baseline
▲ 0.50% · 4.625%
HK$78,832
+HK$3,948/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$149,768/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,506
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,823
−HK$2,355/mo
Today · 4.125%
HK$79,178
baseline
▲ 0.50% · 4.625%
HK$83,996
+HK$4,818/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,356/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,887
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,110
−HK$2,255/mo
Today · 4.125%
HK$87,365
baseline
▲ 0.50% · 4.625%
HK$91,970
+HK$4,605/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,730/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,793
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,773
−HK$3,027/mo
Today · 4.125%
HK$101,800
baseline
▲ 0.50% · 4.625%
HK$107,995
+HK$6,195/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,600/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,569
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,427
−HK$2,900/mo
Today · 4.125%
HK$112,327
baseline
▲ 0.50% · 4.625%
HK$118,247
+HK$5,920/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,654/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,899 · Scale 2, in force from 26 Feb 2026)