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$53,229
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,885
−HK$1,682/mo
Today · 4.125%
HK$56,567
baseline
▲ 0.50% · 4.625%
HK$60,009
+HK$3,442/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,134/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$992,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,217
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,805
−HK$1,611/mo
Today · 4.125%
HK$62,416
baseline
▲ 0.50% · 4.625%
HK$65,706
+HK$3,290/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,832/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$992,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,875
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,861
−HK$2,019/mo
Today · 4.125%
HK$67,880
baseline
▲ 0.50% · 4.625%
HK$72,010
+HK$4,130/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,760/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,060
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,966
−HK$1,933/mo
Today · 4.125%
HK$74,899
baseline
▲ 0.50% · 4.625%
HK$78,847
+HK$3,948/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,798/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,520
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,838
−HK$2,355/mo
Today · 4.125%
HK$79,193
baseline
▲ 0.50% · 4.625%
HK$84,012
+HK$4,819/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,386/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,903
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,127
−HK$2,255/mo
Today · 4.125%
HK$87,382
baseline
▲ 0.50% · 4.625%
HK$91,988
+HK$4,606/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,764/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,812
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,792
−HK$3,028/mo
Today · 4.125%
HK$101,820
baseline
▲ 0.50% · 4.625%
HK$108,016
+HK$6,196/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,640/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,590
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,448
−HK$2,900/mo
Today · 4.125%
HK$112,348
baseline
▲ 0.50% · 4.625%
HK$118,270
+HK$5,922/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,696/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,092 · Scale 2, in force from 26 Feb 2026)