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$53,111
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,763
−HK$1,678/mo
Today · 4.125%
HK$56,441
baseline
▲ 0.50% · 4.625%
HK$59,875
+HK$3,434/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,882/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$989,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,085
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,670
−HK$1,607/mo
Today · 4.125%
HK$62,277
baseline
▲ 0.50% · 4.625%
HK$65,560
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,554/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$989,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,733
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,715
−HK$2,014/mo
Today · 4.125%
HK$67,729
baseline
▲ 0.50% · 4.625%
HK$71,851
+HK$4,122/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$135,458/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,902
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,804
−HK$1,929/mo
Today · 4.125%
HK$74,733
baseline
▲ 0.50% · 4.625%
HK$78,672
+HK$3,939/mo
Deposit HK$9.32M · loan HK$13.97M · min. income ≈ HK$149,466/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$989,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,355
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,668
−HK$2,350/mo
Today · 4.125%
HK$79,018
baseline
▲ 0.50% · 4.625%
HK$83,826
+HK$4,808/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$158,036/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,719
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,938
−HK$2,250/mo
Today · 4.125%
HK$87,188
baseline
▲ 0.50% · 4.625%
HK$91,784
+HK$4,596/mo
Deposit HK$6.99M · loan HK$16.30M · min. income ≈ HK$174,376/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$989,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,599
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,573
−HK$3,021/mo
Today · 4.125%
HK$101,594
baseline
▲ 0.50% · 4.625%
HK$107,776
+HK$6,182/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$203,188/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,353
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,205
−HK$2,894/mo
Today · 4.125%
HK$112,099
baseline
▲ 0.50% · 4.625%
HK$118,008
+HK$5,909/mo
Deposit HK$2.33M · loan HK$20.96M · min. income ≈ HK$224,198/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,890 · Scale 2, in force from 26 Feb 2026)