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$53,202
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,857
−HK$1,681/mo
Today · 4.125%
HK$56,538
baseline
▲ 0.50% · 4.625%
HK$59,979
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,076/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,187
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,774
−HK$1,611/mo
Today · 4.125%
HK$62,385
baseline
▲ 0.50% · 4.625%
HK$65,673
+HK$3,288/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,770/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,843
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,829
−HK$2,017/mo
Today · 4.125%
HK$67,846
baseline
▲ 0.50% · 4.625%
HK$71,974
+HK$4,128/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,692/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,024
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,929
−HK$1,933/mo
Today · 4.125%
HK$74,862
baseline
▲ 0.50% · 4.625%
HK$78,808
+HK$3,946/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,724/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,483
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,800
−HK$2,354/mo
Today · 4.125%
HK$79,154
baseline
▲ 0.50% · 4.625%
HK$83,970
+HK$4,816/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$158,308/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,862
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,084
−HK$2,254/mo
Today · 4.125%
HK$87,338
baseline
▲ 0.50% · 4.625%
HK$91,942
+HK$4,604/mo
Deposit HK$7.00M · loan HK$16.33M · min. income ≈ HK$174,676/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,764
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,743
−HK$3,026/mo
Today · 4.125%
HK$101,769
baseline
▲ 0.50% · 4.625%
HK$107,962
+HK$6,193/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,538/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,536
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$109,394
−HK$2,898/mo
Today · 4.125%
HK$112,292
baseline
▲ 0.50% · 4.625%
HK$118,211
+HK$5,919/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,584/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,597 · Scale 2, in force from 26 Feb 2026)