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$53,595
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,262
−HK$1,693/mo
Today · 4.125%
HK$56,955
baseline
▲ 0.50% · 4.625%
HK$60,421
+HK$3,466/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,910/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,623
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,222
−HK$1,623/mo
Today · 4.125%
HK$62,845
baseline
▲ 0.50% · 4.625%
HK$66,157
+HK$3,312/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,690/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,313
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,314
−HK$2,032/mo
Today · 4.125%
HK$68,346
baseline
▲ 0.50% · 4.625%
HK$72,505
+HK$4,159/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,692/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,548
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,467
−HK$1,947/mo
Today · 4.125%
HK$75,414
baseline
▲ 0.50% · 4.625%
HK$79,389
+HK$3,975/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,828/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,032
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,366
−HK$2,372/mo
Today · 4.125%
HK$79,738
baseline
▲ 0.50% · 4.625%
HK$84,589
+HK$4,851/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,476/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,473
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,711
−HK$2,272/mo
Today · 4.125%
HK$87,983
baseline
▲ 0.50% · 4.625%
HK$92,620
+HK$4,637/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,966/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,470
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,471
−HK$3,049/mo
Today · 4.125%
HK$102,520
baseline
▲ 0.50% · 4.625%
HK$108,758
+HK$6,238/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$205,040/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,322
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,200
−HK$2,920/mo
Today · 4.125%
HK$113,120
baseline
▲ 0.50% · 4.625%
HK$119,083
+HK$5,963/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,240/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,910 · Scale 2, in force from 26 Feb 2026)