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$53,581
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,247
−HK$1,694/mo
Today · 4.125%
HK$56,941
baseline
▲ 0.50% · 4.625%
HK$60,405
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,882/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,608
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,207
−HK$1,622/mo
Today · 4.125%
HK$62,829
baseline
▲ 0.50% · 4.625%
HK$66,140
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,658/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,297
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,297
−HK$2,032/mo
Today · 4.125%
HK$68,329
baseline
▲ 0.50% · 4.625%
HK$72,487
+HK$4,158/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,658/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,530
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,448
−HK$1,946/mo
Today · 4.125%
HK$75,394
baseline
▲ 0.50% · 4.625%
HK$79,368
+HK$3,974/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,788/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,013
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,346
−HK$2,371/mo
Today · 4.125%
HK$79,717
baseline
▲ 0.50% · 4.625%
HK$84,568
+HK$4,851/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,434/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,451
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,689
−HK$2,271/mo
Today · 4.125%
HK$87,960
baseline
▲ 0.50% · 4.625%
HK$92,596
+HK$4,636/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,920/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,445
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,445
−HK$3,048/mo
Today · 4.125%
HK$102,493
baseline
▲ 0.50% · 4.625%
HK$108,730
+HK$6,237/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$204,986/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,295
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,172
−HK$2,919/mo
Today · 4.125%
HK$113,091
baseline
▲ 0.50% · 4.625%
HK$119,053
+HK$5,962/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,182/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,653 · Scale 2, in force from 26 Feb 2026)