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$52,955
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,602
−HK$1,674/mo
Today · 4.125%
HK$56,276
baseline
▲ 0.50% · 4.625%
HK$59,700
+HK$3,424/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,552/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,912
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,492
−HK$1,603/mo
Today · 4.125%
HK$62,095
baseline
▲ 0.50% · 4.625%
HK$65,368
+HK$3,273/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,190/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,546
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,523
−HK$2,008/mo
Today · 4.125%
HK$67,531
baseline
▲ 0.50% · 4.625%
HK$71,640
+HK$4,109/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,062/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,694
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,590
−HK$1,924/mo
Today · 4.125%
HK$74,514
baseline
▲ 0.50% · 4.625%
HK$78,441
+HK$3,927/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$149,028/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$986,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,137
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,443
−HK$2,343/mo
Today · 4.125%
HK$78,786
baseline
▲ 0.50% · 4.625%
HK$83,580
+HK$4,794/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$157,572/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,477
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,689
−HK$2,244/mo
Today · 4.125%
HK$86,933
baseline
▲ 0.50% · 4.625%
HK$91,515
+HK$4,582/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$173,866/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,319
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,284
−HK$3,012/mo
Today · 4.125%
HK$101,296
baseline
▲ 0.50% · 4.625%
HK$107,460
+HK$6,164/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,592/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,041
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,885
−HK$2,885/mo
Today · 4.125%
HK$111,770
baseline
▲ 0.50% · 4.625%
HK$117,662
+HK$5,892/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,540/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,988 · Scale 2, in force from 26 Feb 2026)