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$53,607
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,274
−HK$1,694/mo
Today · 4.125%
HK$56,968
baseline
▲ 0.50% · 4.625%
HK$60,435
+HK$3,467/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,936/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,637
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,236
−HK$1,623/mo
Today · 4.125%
HK$62,859
baseline
▲ 0.50% · 4.625%
HK$66,172
+HK$3,313/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,718/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$999,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,328
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,329
−HK$2,033/mo
Today · 4.125%
HK$68,362
baseline
▲ 0.50% · 4.625%
HK$72,522
+HK$4,160/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$136,724/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,564
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,484
−HK$1,947/mo
Today · 4.125%
HK$75,431
baseline
▲ 0.50% · 4.625%
HK$79,407
+HK$3,976/mo
Deposit HK$9.40M · loan HK$14.11M · min. income ≈ HK$150,862/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$999,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,049
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,384
−HK$2,372/mo
Today · 4.125%
HK$79,756
baseline
▲ 0.50% · 4.625%
HK$84,609
+HK$4,853/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$159,512/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,492
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,731
−HK$2,271/mo
Today · 4.125%
HK$88,002
baseline
▲ 0.50% · 4.625%
HK$92,641
+HK$4,639/mo
Deposit HK$7.05M · loan HK$16.46M · min. income ≈ HK$176,004/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$999,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,492
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,493
−HK$3,050/mo
Today · 4.125%
HK$102,543
baseline
▲ 0.50% · 4.625%
HK$108,782
+HK$6,239/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$205,086/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,346
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,225
−HK$2,921/mo
Today · 4.125%
HK$113,146
baseline
▲ 0.50% · 4.625%
HK$119,110
+HK$5,964/mo
Deposit HK$2.35M · loan HK$21.16M · min. income ≈ HK$226,292/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$999,135 · Scale 2, in force from 26 Feb 2026)