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$53,595
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,262
−HK$1,694/mo
Today · 4.125%
HK$56,956
baseline
▲ 0.50% · 4.625%
HK$60,421
+HK$3,465/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,912/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,624
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,223
−HK$1,622/mo
Today · 4.125%
HK$62,845
baseline
▲ 0.50% · 4.625%
HK$66,158
+HK$3,313/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,690/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,314
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,314
−HK$2,033/mo
Today · 4.125%
HK$68,347
baseline
▲ 0.50% · 4.625%
HK$72,506
+HK$4,159/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,694/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,549
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,467
−HK$1,947/mo
Today · 4.125%
HK$75,414
baseline
▲ 0.50% · 4.625%
HK$79,389
+HK$3,975/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,828/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,033
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,367
−HK$2,371/mo
Today · 4.125%
HK$79,738
baseline
▲ 0.50% · 4.625%
HK$84,590
+HK$4,852/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,476/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,473
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,712
−HK$2,271/mo
Today · 4.125%
HK$87,983
baseline
▲ 0.50% · 4.625%
HK$92,621
+HK$4,638/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,966/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,471
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,472
−HK$3,048/mo
Today · 4.125%
HK$102,520
baseline
▲ 0.50% · 4.625%
HK$108,759
+HK$6,239/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$205,040/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,323
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,201
−HK$2,920/mo
Today · 4.125%
HK$113,121
baseline
▲ 0.50% · 4.625%
HK$119,084
+HK$5,963/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,242/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,916 · Scale 2, in force from 26 Feb 2026)