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$52,891
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,537
−HK$1,671/mo
Today · 4.125%
HK$56,208
baseline
▲ 0.50% · 4.625%
HK$59,628
+HK$3,420/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,416/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,841
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,419
−HK$1,601/mo
Today · 4.125%
HK$62,020
baseline
▲ 0.50% · 4.625%
HK$65,289
+HK$3,269/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,040/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,470
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,444
−HK$2,006/mo
Today · 4.125%
HK$67,450
baseline
▲ 0.50% · 4.625%
HK$71,554
+HK$4,104/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,900/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,609
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,503
−HK$1,921/mo
Today · 4.125%
HK$74,424
baseline
▲ 0.50% · 4.625%
HK$78,347
+HK$3,923/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,848/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,048
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,351
−HK$2,340/mo
Today · 4.125%
HK$78,691
baseline
▲ 0.50% · 4.625%
HK$83,479
+HK$4,788/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,382/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,377
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,587
−HK$2,241/mo
Today · 4.125%
HK$86,828
baseline
▲ 0.50% · 4.625%
HK$91,405
+HK$4,577/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,656/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,204
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$98,166
−HK$3,008/mo
Today · 4.125%
HK$101,174
baseline
▲ 0.50% · 4.625%
HK$107,331
+HK$6,157/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,348/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,914
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,754
−HK$2,882/mo
Today · 4.125%
HK$111,636
baseline
▲ 0.50% · 4.625%
HK$117,521
+HK$5,885/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,272/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,802 · Scale 2, in force from 26 Feb 2026)