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$53,217
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,872
−HK$1,682/mo
Today · 4.125%
HK$56,554
baseline
▲ 0.50% · 4.625%
HK$59,995
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,108/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,203
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,791
−HK$1,611/mo
Today · 4.125%
HK$62,402
baseline
▲ 0.50% · 4.625%
HK$65,691
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,804/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,860
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,847
−HK$2,018/mo
Today · 4.125%
HK$67,865
baseline
▲ 0.50% · 4.625%
HK$71,994
+HK$4,129/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$135,730/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,044
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,949
−HK$1,933/mo
Today · 4.125%
HK$74,882
baseline
▲ 0.50% · 4.625%
HK$78,829
+HK$3,947/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$149,764/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,504
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,821
−HK$2,355/mo
Today · 4.125%
HK$79,176
baseline
▲ 0.50% · 4.625%
HK$83,993
+HK$4,817/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,352/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,884
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,107
−HK$2,255/mo
Today · 4.125%
HK$87,362
baseline
▲ 0.50% · 4.625%
HK$91,967
+HK$4,605/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,724/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,790
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,770
−HK$3,027/mo
Today · 4.125%
HK$101,797
baseline
▲ 0.50% · 4.625%
HK$107,991
+HK$6,194/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,594/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,566
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,424
−HK$2,899/mo
Today · 4.125%
HK$112,323
baseline
▲ 0.50% · 4.625%
HK$118,244
+HK$5,921/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,646/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,869 · Scale 2, in force from 26 Feb 2026)