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$53,114
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,767
−HK$1,678/mo
Today · 4.125%
HK$56,445
baseline
▲ 0.50% · 4.625%
HK$59,880
+HK$3,435/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,890/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$989,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,089
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,674
−HK$1,608/mo
Today · 4.125%
HK$62,282
baseline
▲ 0.50% · 4.625%
HK$65,565
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,564/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$989,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,737
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,720
−HK$2,014/mo
Today · 4.125%
HK$67,734
baseline
▲ 0.50% · 4.625%
HK$71,856
+HK$4,122/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,468/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,907
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,809
−HK$1,929/mo
Today · 4.125%
HK$74,738
baseline
▲ 0.50% · 4.625%
HK$78,678
+HK$3,940/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,476/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,360
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,673
−HK$2,350/mo
Today · 4.125%
HK$79,023
baseline
▲ 0.50% · 4.625%
HK$83,832
+HK$4,809/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,046/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,725
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,944
−HK$2,250/mo
Today · 4.125%
HK$87,194
baseline
▲ 0.50% · 4.625%
HK$91,791
+HK$4,597/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,388/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,606
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,580
−HK$3,021/mo
Today · 4.125%
HK$101,601
baseline
▲ 0.50% · 4.625%
HK$107,784
+HK$6,183/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,202/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,361
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,213
−HK$2,894/mo
Today · 4.125%
HK$112,107
baseline
▲ 0.50% · 4.625%
HK$118,016
+HK$5,909/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,214/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,961 · Scale 2, in force from 26 Feb 2026)