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$53,567
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,233
−HK$1,693/mo
Today · 4.125%
HK$56,926
baseline
▲ 0.50% · 4.625%
HK$60,390
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,852/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,593
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,191
−HK$1,621/mo
Today · 4.125%
HK$62,812
baseline
▲ 0.50% · 4.625%
HK$66,123
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,624/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,280
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,280
−HK$2,031/mo
Today · 4.125%
HK$68,311
baseline
▲ 0.50% · 4.625%
HK$72,468
+HK$4,157/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$136,622/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,511
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,429
−HK$1,946/mo
Today · 4.125%
HK$75,375
baseline
▲ 0.50% · 4.625%
HK$79,348
+HK$3,973/mo
Deposit HK$9.40M · loan HK$14.09M · min. income ≈ HK$150,750/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,994
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,326
−HK$2,370/mo
Today · 4.125%
HK$79,696
baseline
▲ 0.50% · 4.625%
HK$84,546
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,392/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,430
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,667
−HK$2,270/mo
Today · 4.125%
HK$87,937
baseline
▲ 0.50% · 4.625%
HK$92,572
+HK$4,635/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,874/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,420
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,420
−HK$3,047/mo
Today · 4.125%
HK$102,467
baseline
▲ 0.50% · 4.625%
HK$108,702
+HK$6,235/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,934/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,267
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,143
−HK$2,919/mo
Today · 4.125%
HK$113,062
baseline
▲ 0.50% · 4.625%
HK$119,022
+HK$5,960/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,124/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,393 · Scale 2, in force from 26 Feb 2026)