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$53,597
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,264
−HK$1,694/mo
Today · 4.125%
HK$56,958
baseline
▲ 0.50% · 4.625%
HK$60,424
+HK$3,466/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,916/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,626
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,225
−HK$1,623/mo
Today · 4.125%
HK$62,848
baseline
▲ 0.50% · 4.625%
HK$66,160
+HK$3,312/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,696/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,316
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,317
−HK$2,033/mo
Today · 4.125%
HK$68,350
baseline
▲ 0.50% · 4.625%
HK$72,509
+HK$4,159/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,700/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,551
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,470
−HK$1,947/mo
Today · 4.125%
HK$75,417
baseline
▲ 0.50% · 4.625%
HK$79,392
+HK$3,975/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,834/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,036
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,370
−HK$2,371/mo
Today · 4.125%
HK$79,741
baseline
▲ 0.50% · 4.625%
HK$84,593
+HK$4,852/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,482/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,477
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,715
−HK$2,272/mo
Today · 4.125%
HK$87,987
baseline
▲ 0.50% · 4.625%
HK$92,625
+HK$4,638/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,974/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,475
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,476
−HK$3,049/mo
Today · 4.125%
HK$102,525
baseline
▲ 0.50% · 4.625%
HK$108,763
+HK$6,238/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$205,050/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,327
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,206
−HK$2,920/mo
Today · 4.125%
HK$113,126
baseline
▲ 0.50% · 4.625%
HK$119,089
+HK$5,963/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,252/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,956 · Scale 2, in force from 26 Feb 2026)