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$53,588
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,255
−HK$1,694/mo
Today · 4.125%
HK$56,949
baseline
▲ 0.50% · 4.625%
HK$60,414
+HK$3,465/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,898/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,616
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,215
−HK$1,622/mo
Today · 4.125%
HK$62,837
baseline
▲ 0.50% · 4.625%
HK$66,150
+HK$3,313/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,674/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,306
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,306
−HK$2,033/mo
Today · 4.125%
HK$68,339
baseline
▲ 0.50% · 4.625%
HK$72,497
+HK$4,158/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,678/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,540
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,458
−HK$1,947/mo
Today · 4.125%
HK$75,405
baseline
▲ 0.50% · 4.625%
HK$79,380
+HK$3,975/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,810/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,024
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,357
−HK$2,371/mo
Today · 4.125%
HK$79,728
baseline
▲ 0.50% · 4.625%
HK$84,580
+HK$4,852/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,456/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,463
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,702
−HK$2,270/mo
Today · 4.125%
HK$87,972
baseline
▲ 0.50% · 4.625%
HK$92,609
+HK$4,637/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,944/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,459
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,459
−HK$3,049/mo
Today · 4.125%
HK$102,508
baseline
▲ 0.50% · 4.625%
HK$108,745
+HK$6,237/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$205,016/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,310
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,188
−HK$2,919/mo
Today · 4.125%
HK$113,107
baseline
▲ 0.50% · 4.625%
HK$119,069
+HK$5,962/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,214/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,794 · Scale 2, in force from 26 Feb 2026)