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$52,916
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,562
−HK$1,672/mo
Today · 4.125%
HK$56,234
baseline
▲ 0.50% · 4.625%
HK$59,656
+HK$3,422/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,468/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,868
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,447
−HK$1,602/mo
Today · 4.125%
HK$62,049
baseline
▲ 0.50% · 4.625%
HK$65,319
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,098/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,499
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,474
−HK$2,007/mo
Today · 4.125%
HK$67,481
baseline
▲ 0.50% · 4.625%
HK$71,587
+HK$4,106/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,962/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,642
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,536
−HK$1,922/mo
Today · 4.125%
HK$74,458
baseline
▲ 0.50% · 4.625%
HK$78,383
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,916/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,082
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,386
−HK$2,342/mo
Today · 4.125%
HK$78,728
baseline
▲ 0.50% · 4.625%
HK$83,518
+HK$4,790/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,456/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,415
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,626
−HK$2,242/mo
Today · 4.125%
HK$86,868
baseline
▲ 0.50% · 4.625%
HK$91,447
+HK$4,579/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,736/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,248
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,211
−HK$3,010/mo
Today · 4.125%
HK$101,221
baseline
▲ 0.50% · 4.625%
HK$107,380
+HK$6,159/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,442/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,963
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,805
−HK$2,883/mo
Today · 4.125%
HK$111,688
baseline
▲ 0.50% · 4.625%
HK$117,575
+HK$5,887/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,376/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,256 · Scale 2, in force from 26 Feb 2026)