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$53,584
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,251
−HK$1,694/mo
Today · 4.125%
HK$56,945
baseline
▲ 0.50% · 4.625%
HK$60,409
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,890/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,612
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,211
−HK$1,622/mo
Today · 4.125%
HK$62,833
baseline
▲ 0.50% · 4.625%
HK$66,145
+HK$3,312/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,666/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,301
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,301
−HK$2,032/mo
Today · 4.125%
HK$68,333
baseline
▲ 0.50% · 4.625%
HK$72,491
+HK$4,158/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,666/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,534
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,453
−HK$1,946/mo
Today · 4.125%
HK$75,399
baseline
▲ 0.50% · 4.625%
HK$79,374
+HK$3,975/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,798/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,018
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,352
−HK$2,370/mo
Today · 4.125%
HK$79,722
baseline
▲ 0.50% · 4.625%
HK$84,573
+HK$4,851/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,444/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,457
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,695
−HK$2,271/mo
Today · 4.125%
HK$87,966
baseline
▲ 0.50% · 4.625%
HK$92,603
+HK$4,637/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,932/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,452
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,452
−HK$3,048/mo
Today · 4.125%
HK$102,500
baseline
▲ 0.50% · 4.625%
HK$108,737
+HK$6,237/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$205,000/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,302
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,179
−HK$2,920/mo
Today · 4.125%
HK$113,099
baseline
▲ 0.50% · 4.625%
HK$119,060
+HK$5,961/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,198/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,718 · Scale 2, in force from 26 Feb 2026)