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$53,216
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,872
−HK$1,681/mo
Today · 4.125%
HK$56,553
baseline
▲ 0.50% · 4.625%
HK$59,995
+HK$3,442/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,106/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,203
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,790
−HK$1,611/mo
Today · 4.125%
HK$62,401
baseline
▲ 0.50% · 4.625%
HK$65,690
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,802/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,859
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,846
−HK$2,018/mo
Today · 4.125%
HK$67,864
baseline
▲ 0.50% · 4.625%
HK$71,993
+HK$4,129/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$135,728/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,043
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,948
−HK$1,933/mo
Today · 4.125%
HK$74,881
baseline
▲ 0.50% · 4.625%
HK$78,828
+HK$3,947/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$149,762/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,503
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,820
−HK$2,355/mo
Today · 4.125%
HK$79,175
baseline
▲ 0.50% · 4.625%
HK$83,992
+HK$4,817/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,350/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,884
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,106
−HK$2,255/mo
Today · 4.125%
HK$87,361
baseline
▲ 0.50% · 4.625%
HK$91,966
+HK$4,605/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,722/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,789
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,769
−HK$3,027/mo
Today · 4.125%
HK$101,796
baseline
▲ 0.50% · 4.625%
HK$107,990
+HK$6,194/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,592/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,565
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,423
−HK$2,899/mo
Today · 4.125%
HK$112,322
baseline
▲ 0.50% · 4.625%
HK$118,243
+HK$5,921/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,644/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,858 · Scale 2, in force from 26 Feb 2026)