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$53,235
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,891
−HK$1,682/mo
Today · 4.125%
HK$56,573
baseline
▲ 0.50% · 4.625%
HK$60,015
+HK$3,442/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,146/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,223
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,811
−HK$1,612/mo
Today · 4.125%
HK$62,423
baseline
▲ 0.50% · 4.625%
HK$65,713
+HK$3,290/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,846/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,882
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,869
−HK$2,018/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$992,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,068
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,974
−HK$1,933/mo
Today · 4.125%
HK$74,907
baseline
▲ 0.50% · 4.625%
HK$78,856
+HK$3,949/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$992,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,528
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,847
−HK$2,355/mo
Today · 4.125%
HK$79,202
baseline
▲ 0.50% · 4.625%
HK$84,021
+HK$4,819/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,404/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,912
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,136
−HK$2,256/mo
Today · 4.125%
HK$87,392
baseline
▲ 0.50% · 4.625%
HK$91,998
+HK$4,606/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,784/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,822
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,803
−HK$3,028/mo
Today · 4.125%
HK$101,831
baseline
▲ 0.50% · 4.625%
HK$108,027
+HK$6,196/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,662/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,601
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,460
−HK$2,901/mo
Today · 4.125%
HK$112,361
baseline
▲ 0.50% · 4.625%
HK$118,283
+HK$5,922/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,722/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,201 · Scale 2, in force from 26 Feb 2026)