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$52,859
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,504
−HK$1,670/mo
Today · 4.125%
HK$56,174
baseline
▲ 0.50% · 4.625%
HK$59,592
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,348/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,805
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,383
−HK$1,600/mo
Today · 4.125%
HK$61,983
baseline
▲ 0.50% · 4.625%
HK$65,250
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,966/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,431
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,404
−HK$2,005/mo
Today · 4.125%
HK$67,409
baseline
▲ 0.50% · 4.625%
HK$71,511
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,818/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,567
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,459
−HK$1,920/mo
Today · 4.125%
HK$74,379
baseline
▲ 0.50% · 4.625%
HK$78,300
+HK$3,921/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,758/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,003
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,305
−HK$2,339/mo
Today · 4.125%
HK$78,644
baseline
▲ 0.50% · 4.625%
HK$83,429
+HK$4,785/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$157,288/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,328
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,536
−HK$2,240/mo
Today · 4.125%
HK$86,776
baseline
▲ 0.50% · 4.625%
HK$91,350
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$173,552/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,147
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,106
−HK$3,007/mo
Today · 4.125%
HK$101,113
baseline
▲ 0.50% · 4.625%
HK$107,266
+HK$6,153/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,226/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,850
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,689
−HK$2,880/mo
Today · 4.125%
HK$111,569
baseline
▲ 0.50% · 4.625%
HK$117,449
+HK$5,880/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,138/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,205 · Scale 2, in force from 26 Feb 2026)