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$53,575
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,242
−HK$1,693/mo
Today · 4.125%
HK$56,935
baseline
▲ 0.50% · 4.625%
HK$60,399
+HK$3,464/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,870/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,602
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,200
−HK$1,622/mo
Today · 4.125%
HK$62,822
baseline
▲ 0.50% · 4.625%
HK$66,133
+HK$3,311/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,644/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,290
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,290
−HK$2,032/mo
Today · 4.125%
HK$68,322
baseline
▲ 0.50% · 4.625%
HK$72,479
+HK$4,157/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,644/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,522
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,440
−HK$1,946/mo
Today · 4.125%
HK$75,386
baseline
▲ 0.50% · 4.625%
HK$79,360
+HK$3,974/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,772/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,005
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,338
−HK$2,371/mo
Today · 4.125%
HK$79,709
baseline
▲ 0.50% · 4.625%
HK$84,559
+HK$4,850/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,418/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,443
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,680
−HK$2,271/mo
Today · 4.125%
HK$87,951
baseline
▲ 0.50% · 4.625%
HK$92,587
+HK$4,636/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,902/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,435
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,435
−HK$3,048/mo
Today · 4.125%
HK$102,483
baseline
▲ 0.50% · 4.625%
HK$108,718
+HK$6,235/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$204,966/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,283
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,161
−HK$2,918/mo
Today · 4.125%
HK$113,079
baseline
▲ 0.50% · 4.625%
HK$119,040
+HK$5,961/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,158/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,548 · Scale 2, in force from 26 Feb 2026)