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$53,212
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,868
−HK$1,681/mo
Today · 4.125%
HK$56,549
baseline
▲ 0.50% · 4.625%
HK$59,990
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,098/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,198
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,786
−HK$1,610/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$65,685
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,855
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,841
−HK$2,018/mo
Today · 4.125%
HK$67,859
baseline
▲ 0.50% · 4.625%
HK$71,988
+HK$4,129/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,718/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,038
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,943
−HK$1,933/mo
Today · 4.125%
HK$74,876
baseline
▲ 0.50% · 4.625%
HK$78,823
+HK$3,947/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,752/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,497
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,815
−HK$2,354/mo
Today · 4.125%
HK$79,169
baseline
▲ 0.50% · 4.625%
HK$83,986
+HK$4,817/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,338/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,877
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,100
−HK$2,255/mo
Today · 4.125%
HK$87,355
baseline
▲ 0.50% · 4.625%
HK$91,960
+HK$4,605/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,710/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,782
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,762
−HK$3,027/mo
Today · 4.125%
HK$101,789
baseline
▲ 0.50% · 4.625%
HK$107,982
+HK$6,193/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,578/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,557
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,415
−HK$2,899/mo
Today · 4.125%
HK$112,314
baseline
▲ 0.50% · 4.625%
HK$118,234
+HK$5,920/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,628/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,785 · Scale 2, in force from 26 Feb 2026)