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$53,591
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,258
−HK$1,694/mo
Today · 4.125%
HK$56,952
baseline
▲ 0.50% · 4.625%
HK$60,417
+HK$3,465/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,904/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,619
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,218
−HK$1,623/mo
Today · 4.125%
HK$62,841
baseline
▲ 0.50% · 4.625%
HK$66,153
+HK$3,312/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,682/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,309
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,310
−HK$2,032/mo
Today · 4.125%
HK$68,342
baseline
▲ 0.50% · 4.625%
HK$72,500
+HK$4,158/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,684/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,543
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,462
−HK$1,947/mo
Today · 4.125%
HK$75,409
baseline
▲ 0.50% · 4.625%
HK$79,384
+HK$3,975/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,818/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,027
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,361
−HK$2,371/mo
Today · 4.125%
HK$79,732
baseline
▲ 0.50% · 4.625%
HK$84,584
+HK$4,852/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,464/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,467
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,706
−HK$2,271/mo
Today · 4.125%
HK$87,977
baseline
▲ 0.50% · 4.625%
HK$92,614
+HK$4,637/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,954/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,464
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,464
−HK$3,049/mo
Today · 4.125%
HK$102,513
baseline
▲ 0.50% · 4.625%
HK$108,751
+HK$6,238/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$205,026/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,315
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,193
−HK$2,920/mo
Today · 4.125%
HK$113,113
baseline
▲ 0.50% · 4.625%
HK$119,075
+HK$5,962/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,226/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,844 · Scale 2, in force from 26 Feb 2026)