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$52,907
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,553
−HK$1,672/mo
Today · 4.125%
HK$56,225
baseline
▲ 0.50% · 4.625%
HK$59,646
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,450/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,859
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,437
−HK$1,602/mo
Today · 4.125%
HK$62,039
baseline
▲ 0.50% · 4.625%
HK$65,309
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,078/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,489
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,463
−HK$2,007/mo
Today · 4.125%
HK$67,470
baseline
▲ 0.50% · 4.625%
HK$71,575
+HK$4,105/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,940/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,630
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,525
−HK$1,921/mo
Today · 4.125%
HK$74,446
baseline
▲ 0.50% · 4.625%
HK$78,371
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,892/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,070
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,374
−HK$2,341/mo
Today · 4.125%
HK$78,715
baseline
▲ 0.50% · 4.625%
HK$83,505
+HK$4,790/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,430/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,402
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,612
−HK$2,242/mo
Today · 4.125%
HK$86,854
baseline
▲ 0.50% · 4.625%
HK$91,432
+HK$4,578/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,708/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,233
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$98,195
−HK$3,010/mo
Today · 4.125%
HK$101,205
baseline
▲ 0.50% · 4.625%
HK$107,363
+HK$6,158/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,410/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,946
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,787
−HK$2,883/mo
Today · 4.125%
HK$111,670
baseline
▲ 0.50% · 4.625%
HK$117,556
+HK$5,886/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,340/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,098 · Scale 2, in force from 26 Feb 2026)