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$53,178
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,833
−HK$1,680/mo
Today · 4.125%
HK$56,513
baseline
▲ 0.50% · 4.625%
HK$59,952
+HK$3,439/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$113,026/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,160
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,747
−HK$1,610/mo
Today · 4.125%
HK$62,357
baseline
▲ 0.50% · 4.625%
HK$65,644
+HK$3,287/mo
Deposit HK$11.66M · loan HK$11.66M · min. income ≈ HK$124,714/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$991,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,814
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,799
−HK$2,017/mo
Today · 4.125%
HK$67,816
baseline
▲ 0.50% · 4.625%
HK$71,942
+HK$4,126/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$135,632/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,993
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,897
−HK$1,931/mo
Today · 4.125%
HK$74,828
baseline
▲ 0.50% · 4.625%
HK$78,772
+HK$3,944/mo
Deposit HK$9.33M · loan HK$13.99M · min. income ≈ HK$149,656/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$991,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,450
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,766
−HK$2,352/mo
Today · 4.125%
HK$79,118
baseline
▲ 0.50% · 4.625%
HK$83,933
+HK$4,815/mo
Deposit HK$7.00M · loan HK$16.32M · min. income ≈ HK$158,236/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,825
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,046
−HK$2,253/mo
Today · 4.125%
HK$87,299
baseline
▲ 0.50% · 4.625%
HK$91,901
+HK$4,602/mo
Deposit HK$7.00M · loan HK$16.32M · min. income ≈ HK$174,598/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$991,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,721
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,699
−HK$3,025/mo
Today · 4.125%
HK$101,724
baseline
▲ 0.50% · 4.625%
HK$107,913
+HK$6,189/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$203,448/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,489
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,345
−HK$2,897/mo
Today · 4.125%
HK$112,242
baseline
▲ 0.50% · 4.625%
HK$118,159
+HK$5,917/mo
Deposit HK$2.33M · loan HK$20.99M · min. income ≈ HK$224,484/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$991,154 · Scale 2, in force from 26 Feb 2026)