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$53,220
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,875
−HK$1,682/mo
Today · 4.125%
HK$56,557
baseline
▲ 0.50% · 4.625%
HK$59,998
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,114/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,206
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,794
−HK$1,611/mo
Today · 4.125%
HK$62,405
baseline
▲ 0.50% · 4.625%
HK$65,694
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,810/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,863
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,850
−HK$2,018/mo
Today · 4.125%
HK$67,868
baseline
▲ 0.50% · 4.625%
HK$71,998
+HK$4,130/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$135,736/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,047
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,953
−HK$1,933/mo
Today · 4.125%
HK$74,886
baseline
▲ 0.50% · 4.625%
HK$78,833
+HK$3,947/mo
Deposit HK$9.34M · loan HK$14.00M · min. income ≈ HK$149,772/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,507
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,825
−HK$2,355/mo
Today · 4.125%
HK$79,180
baseline
▲ 0.50% · 4.625%
HK$83,998
+HK$4,818/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,360/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,889
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,112
−HK$2,255/mo
Today · 4.125%
HK$87,367
baseline
▲ 0.50% · 4.625%
HK$91,972
+HK$4,605/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,734/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,795
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,775
−HK$3,027/mo
Today · 4.125%
HK$101,802
baseline
▲ 0.50% · 4.625%
HK$107,997
+HK$6,195/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$203,604/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,571
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,429
−HK$2,900/mo
Today · 4.125%
HK$112,329
baseline
▲ 0.50% · 4.625%
HK$118,250
+HK$5,921/mo
Deposit HK$2.33M · loan HK$21.01M · min. income ≈ HK$224,658/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,920 · Scale 2, in force from 26 Feb 2026)