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$53,589
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,256
−HK$1,693/mo
Today · 4.125%
HK$56,949
baseline
▲ 0.50% · 4.625%
HK$60,415
+HK$3,466/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,898/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,617
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,216
−HK$1,622/mo
Today · 4.125%
HK$62,838
baseline
▲ 0.50% · 4.625%
HK$66,150
+HK$3,312/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,676/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,307
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,307
−HK$2,032/mo
Today · 4.125%
HK$68,339
baseline
▲ 0.50% · 4.625%
HK$72,498
+HK$4,159/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,678/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,541
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,459
−HK$1,947/mo
Today · 4.125%
HK$75,406
baseline
▲ 0.50% · 4.625%
HK$79,380
+HK$3,974/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,812/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,024
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,358
−HK$2,371/mo
Today · 4.125%
HK$79,729
baseline
▲ 0.50% · 4.625%
HK$84,580
+HK$4,851/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,458/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,464
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,702
−HK$2,271/mo
Today · 4.125%
HK$87,973
baseline
▲ 0.50% · 4.625%
HK$92,610
+HK$4,637/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,946/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,460
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,460
−HK$3,049/mo
Today · 4.125%
HK$102,509
baseline
▲ 0.50% · 4.625%
HK$108,746
+HK$6,237/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$205,018/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,311
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,189
−HK$2,919/mo
Today · 4.125%
HK$113,108
baseline
▲ 0.50% · 4.625%
HK$119,071
+HK$5,963/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,216/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,804 · Scale 2, in force from 26 Feb 2026)