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$53,582
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,249
−HK$1,693/mo
Today · 4.125%
HK$56,942
baseline
▲ 0.50% · 4.625%
HK$60,407
+HK$3,465/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,884/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,610
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,208
−HK$1,622/mo
Today · 4.125%
HK$62,830
baseline
▲ 0.50% · 4.625%
HK$66,142
+HK$3,312/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,660/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,299
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,299
−HK$2,032/mo
Today · 4.125%
HK$68,331
baseline
▲ 0.50% · 4.625%
HK$72,489
+HK$4,158/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,662/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,532
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,450
−HK$1,946/mo
Today · 4.125%
HK$75,396
baseline
▲ 0.50% · 4.625%
HK$79,371
+HK$3,975/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,792/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,015
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,349
−HK$2,370/mo
Today · 4.125%
HK$79,719
baseline
▲ 0.50% · 4.625%
HK$84,570
+HK$4,851/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,438/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,454
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,692
−HK$2,270/mo
Today · 4.125%
HK$87,962
baseline
▲ 0.50% · 4.625%
HK$92,599
+HK$4,637/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,924/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,448
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,448
−HK$3,048/mo
Today · 4.125%
HK$102,496
baseline
▲ 0.50% · 4.625%
HK$108,733
+HK$6,237/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$204,992/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,298
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,175
−HK$2,920/mo
Today · 4.125%
HK$113,095
baseline
▲ 0.50% · 4.625%
HK$119,056
+HK$5,961/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,190/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,681 · Scale 2, in force from 26 Feb 2026)