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$53,570
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,236
−HK$1,693/mo
Today · 4.125%
HK$56,929
baseline
▲ 0.50% · 4.625%
HK$60,393
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,858/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,596
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,194
−HK$1,621/mo
Today · 4.125%
HK$62,815
baseline
▲ 0.50% · 4.625%
HK$66,126
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,630/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,283
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,283
−HK$2,032/mo
Today · 4.125%
HK$68,315
baseline
▲ 0.50% · 4.625%
HK$72,471
+HK$4,156/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,630/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,515
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,433
−HK$1,945/mo
Today · 4.125%
HK$75,378
baseline
▲ 0.50% · 4.625%
HK$79,352
+HK$3,974/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,756/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,997
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,330
−HK$2,370/mo
Today · 4.125%
HK$79,700
baseline
▲ 0.50% · 4.625%
HK$84,550
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$159,400/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,434
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,671
−HK$2,270/mo
Today · 4.125%
HK$87,941
baseline
▲ 0.50% · 4.625%
HK$92,577
+HK$4,636/mo
Deposit HK$7.05M · loan HK$16.44M · min. income ≈ HK$175,882/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,425
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,425
−HK$3,047/mo
Today · 4.125%
HK$102,472
baseline
▲ 0.50% · 4.625%
HK$108,707
+HK$6,235/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$204,944/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,272
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,149
−HK$2,919/mo
Today · 4.125%
HK$113,068
baseline
▲ 0.50% · 4.625%
HK$119,028
+HK$5,960/mo
Deposit HK$2.35M · loan HK$21.14M · min. income ≈ HK$226,136/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,443 · Scale 2, in force from 26 Feb 2026)