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$53,574
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,241
−HK$1,693/mo
Today · 4.125%
HK$56,934
baseline
▲ 0.50% · 4.625%
HK$60,398
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,868/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,601
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,199
−HK$1,622/mo
Today · 4.125%
HK$62,821
baseline
▲ 0.50% · 4.625%
HK$66,132
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,642/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,289
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,289
−HK$2,032/mo
Today · 4.125%
HK$68,321
baseline
▲ 0.50% · 4.625%
HK$72,478
+HK$4,157/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,642/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,521
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,439
−HK$1,946/mo
Today · 4.125%
HK$75,385
baseline
▲ 0.50% · 4.625%
HK$79,359
+HK$3,974/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,770/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,004
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,337
−HK$2,370/mo
Today · 4.125%
HK$79,707
baseline
▲ 0.50% · 4.625%
HK$84,557
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,414/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,441
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,679
−HK$2,270/mo
Today · 4.125%
HK$87,949
baseline
▲ 0.50% · 4.625%
HK$92,585
+HK$4,636/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,898/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,434
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,433
−HK$3,048/mo
Today · 4.125%
HK$102,481
baseline
▲ 0.50% · 4.625%
HK$108,717
+HK$6,236/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$204,962/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,281
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,159
−HK$2,918/mo
Today · 4.125%
HK$113,077
baseline
▲ 0.50% · 4.625%
HK$119,038
+HK$5,961/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,154/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,530 · Scale 2, in force from 26 Feb 2026)