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$54,766
−HK$1,679/mo
Today · 4.125%
HK$56,445
baseline
▲ 0.50% · 4.625%
HK$59,879
+HK$3,434/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$989,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,089
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,674
−HK$1,607/mo
Today · 4.125%
HK$62,281
baseline
▲ 0.50% · 4.625%
HK$65,564
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,562/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$989,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,737
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,719
−HK$2,015/mo
Today · 4.125%
HK$67,734
baseline
▲ 0.50% · 4.625%
HK$71,855
+HK$4,121/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$989,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,907
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,808
−HK$1,929/mo
Today · 4.125%
HK$74,737
baseline
▲ 0.50% · 4.625%
HK$78,677
+HK$3,940/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,474/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,953 · 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$83,831
+HK$4,808/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$989,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,724
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,943
−HK$2,251/mo
Today · 4.125%
HK$87,194
baseline
▲ 0.50% · 4.625%
HK$91,790
+HK$4,596/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$989,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,605
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,579
−HK$3,022/mo
Today · 4.125%
HK$101,601
baseline
▲ 0.50% · 4.625%
HK$107,783
+HK$6,182/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$989,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,360
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,212
−HK$2,894/mo
Today · 4.125%
HK$112,106
baseline
▲ 0.50% · 4.625%
HK$118,015
+HK$5,909/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,212/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,953 · Scale 2, in force from 26 Feb 2026)