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$53,578
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,244
−HK$1,694/mo
Today · 4.125%
HK$56,938
baseline
▲ 0.50% · 4.625%
HK$60,402
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,876/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,605
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,203
−HK$1,622/mo
Today · 4.125%
HK$62,825
baseline
▲ 0.50% · 4.625%
HK$66,137
+HK$3,312/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,650/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,293
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,293
−HK$2,032/mo
Today · 4.125%
HK$68,325
baseline
▲ 0.50% · 4.625%
HK$72,483
+HK$4,158/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,650/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,526
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,444
−HK$1,946/mo
Today · 4.125%
HK$75,390
baseline
▲ 0.50% · 4.625%
HK$79,364
+HK$3,974/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,780/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,009
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,342
−HK$2,371/mo
Today · 4.125%
HK$79,713
baseline
▲ 0.50% · 4.625%
HK$84,563
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,426/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,447
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,685
−HK$2,270/mo
Today · 4.125%
HK$87,955
baseline
▲ 0.50% · 4.625%
HK$92,591
+HK$4,636/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,910/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,440
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,440
−HK$3,048/mo
Today · 4.125%
HK$102,488
baseline
▲ 0.50% · 4.625%
HK$108,724
+HK$6,236/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$204,976/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,289
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,166
−HK$2,919/mo
Today · 4.125%
HK$113,085
baseline
▲ 0.50% · 4.625%
HK$119,046
+HK$5,961/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,170/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,597 · Scale 2, in force from 26 Feb 2026)