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$52,924
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,571
−HK$1,672/mo
Today · 4.125%
HK$56,243
baseline
▲ 0.50% · 4.625%
HK$59,665
+HK$3,422/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,486/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,878
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,457
−HK$1,602/mo
Today · 4.125%
HK$62,059
baseline
▲ 0.50% · 4.625%
HK$65,330
+HK$3,271/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,118/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,509
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,485
−HK$2,007/mo
Today · 4.125%
HK$67,492
baseline
▲ 0.50% · 4.625%
HK$71,599
+HK$4,107/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$134,984/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,653
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,548
−HK$1,923/mo
Today · 4.125%
HK$74,471
baseline
▲ 0.50% · 4.625%
HK$78,396
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$148,942/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,094
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,399
−HK$2,341/mo
Today · 4.125%
HK$78,740
baseline
▲ 0.50% · 4.625%
HK$83,532
+HK$4,792/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$157,480/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,429
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,640
−HK$2,242/mo
Today · 4.125%
HK$86,882
baseline
▲ 0.50% · 4.625%
HK$91,462
+HK$4,580/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$173,764/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,264
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,227
−HK$3,011/mo
Today · 4.125%
HK$101,238
baseline
▲ 0.50% · 4.625%
HK$107,398
+HK$6,160/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,476/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,980
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,822
−HK$2,884/mo
Today · 4.125%
HK$111,706
baseline
▲ 0.50% · 4.625%
HK$117,594
+HK$5,888/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,412/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,418 · Scale 2, in force from 26 Feb 2026)