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$53,214
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,869
−HK$1,682/mo
Today · 4.125%
HK$56,551
baseline
▲ 0.50% · 4.625%
HK$59,992
+HK$3,441/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$113,102/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,200
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,787
−HK$1,611/mo
Today · 4.125%
HK$62,398
baseline
▲ 0.50% · 4.625%
HK$65,687
+HK$3,289/mo
Deposit HK$11.67M · loan HK$11.67M · min. income ≈ HK$124,796/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$991,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,857
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,843
−HK$2,018/mo
Today · 4.125%
HK$67,861
baseline
▲ 0.50% · 4.625%
HK$71,990
+HK$4,129/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$135,722/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,040
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,945
−HK$1,933/mo
Today · 4.125%
HK$74,878
baseline
▲ 0.50% · 4.625%
HK$78,825
+HK$3,947/mo
Deposit HK$9.33M · loan HK$14.00M · min. income ≈ HK$149,756/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$991,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,499
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,817
−HK$2,354/mo
Today · 4.125%
HK$79,171
baseline
▲ 0.50% · 4.625%
HK$83,988
+HK$4,817/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$158,342/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,880
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,102
−HK$2,255/mo
Today · 4.125%
HK$87,357
baseline
▲ 0.50% · 4.625%
HK$91,962
+HK$4,605/mo
Deposit HK$7.00M · loan HK$16.34M · min. income ≈ HK$174,714/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,785
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,764
−HK$3,027/mo
Today · 4.125%
HK$101,791
baseline
▲ 0.50% · 4.625%
HK$107,985
+HK$6,194/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$203,582/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,560
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,417
−HK$2,900/mo
Today · 4.125%
HK$112,317
baseline
▲ 0.50% · 4.625%
HK$118,237
+HK$5,920/mo
Deposit HK$2.33M · loan HK$21.00M · min. income ≈ HK$224,634/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$991,812 · Scale 2, in force from 26 Feb 2026)