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$52,913
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,559
−HK$1,672/mo
Today · 4.125%
HK$56,231
baseline
▲ 0.50% · 4.625%
HK$59,652
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,462/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,865
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,444
−HK$1,601/mo
Today · 4.125%
HK$62,045
baseline
▲ 0.50% · 4.625%
HK$65,316
+HK$3,271/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,090/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,495
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,470
−HK$2,007/mo
Today · 4.125%
HK$67,477
baseline
▲ 0.50% · 4.625%
HK$71,583
+HK$4,106/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,954/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,638
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,533
−HK$1,921/mo
Today · 4.125%
HK$74,454
baseline
▲ 0.50% · 4.625%
HK$78,379
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,908/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,078
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,382
−HK$2,341/mo
Today · 4.125%
HK$78,723
baseline
▲ 0.50% · 4.625%
HK$83,513
+HK$4,790/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,446/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,411
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,621
−HK$2,242/mo
Today · 4.125%
HK$86,863
baseline
▲ 0.50% · 4.625%
HK$91,442
+HK$4,579/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,726/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,243
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,206
−HK$3,010/mo
Today · 4.125%
HK$101,216
baseline
▲ 0.50% · 4.625%
HK$107,374
+HK$6,158/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,432/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,957
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,799
−HK$2,883/mo
Today · 4.125%
HK$111,682
baseline
▲ 0.50% · 4.625%
HK$117,568
+HK$5,886/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,364/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,204 · Scale 2, in force from 26 Feb 2026)