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$52,879
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,524
−HK$1,671/mo
Today · 4.125%
HK$56,195
baseline
▲ 0.50% · 4.625%
HK$59,614
+HK$3,419/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,390/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,828
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,405
−HK$1,601/mo
Today · 4.125%
HK$62,006
baseline
▲ 0.50% · 4.625%
HK$65,274
+HK$3,268/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,012/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,455
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,429
−HK$2,005/mo
Today · 4.125%
HK$67,434
baseline
▲ 0.50% · 4.625%
HK$71,537
+HK$4,103/mo
Deposit HK$9.28M · loan HK$13.91M · min. income ≈ HK$134,868/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,593
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,486
−HK$1,921/mo
Today · 4.125%
HK$74,407
baseline
▲ 0.50% · 4.625%
HK$78,329
+HK$3,922/mo
Deposit HK$9.28M · loan HK$13.91M · min. income ≈ HK$148,814/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,031
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,334
−HK$2,339/mo
Today · 4.125%
HK$78,673
baseline
▲ 0.50% · 4.625%
HK$83,460
+HK$4,787/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$157,346/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,359
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,567
−HK$2,241/mo
Today · 4.125%
HK$86,808
baseline
▲ 0.50% · 4.625%
HK$91,384
+HK$4,576/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$173,616/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,182
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,143
−HK$3,008/mo
Today · 4.125%
HK$101,151
baseline
▲ 0.50% · 4.625%
HK$107,306
+HK$6,155/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,302/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,890
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,729
−HK$2,881/mo
Today · 4.125%
HK$111,610
baseline
▲ 0.50% · 4.625%
HK$117,494
+HK$5,884/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,220/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,576 · Scale 2, in force from 26 Feb 2026)