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$53,169
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,823
−HK$1,680/mo
Today · 4.125%
HK$56,503
baseline
▲ 0.50% · 4.625%
HK$59,941
+HK$3,438/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,006/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,150
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,736
−HK$1,610/mo
Today · 4.125%
HK$62,346
baseline
▲ 0.50% · 4.625%
HK$65,632
+HK$3,286/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,692/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$990,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,803
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,787
−HK$2,017/mo
Today · 4.125%
HK$67,804
baseline
▲ 0.50% · 4.625%
HK$71,929
+HK$4,125/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$135,608/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,980
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,884
−HK$1,931/mo
Today · 4.125%
HK$74,815
baseline
▲ 0.50% · 4.625%
HK$78,758
+HK$3,943/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$149,630/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$990,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,437
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,752
−HK$2,352/mo
Today · 4.125%
HK$79,104
baseline
▲ 0.50% · 4.625%
HK$83,918
+HK$4,814/mo
Deposit HK$7.00M · loan HK$16.32M · min. income ≈ HK$158,208/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$990,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,810
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,031
−HK$2,253/mo
Today · 4.125%
HK$87,284
baseline
▲ 0.50% · 4.625%
HK$91,885
+HK$4,601/mo
Deposit HK$7.00M · loan HK$16.32M · min. income ≈ HK$174,568/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$990,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,704
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,681
−HK$3,025/mo
Today · 4.125%
HK$101,706
baseline
▲ 0.50% · 4.625%
HK$107,894
+HK$6,188/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,412/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,470
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$109,325
−HK$2,897/mo
Today · 4.125%
HK$112,222
baseline
▲ 0.50% · 4.625%
HK$118,137
+HK$5,915/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,444/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,977 · Scale 2, in force from 26 Feb 2026)