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$52,901
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,547
−HK$1,671/mo
Today · 4.125%
HK$56,218
baseline
▲ 0.50% · 4.625%
HK$59,639
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,436/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$985,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,852
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,430
−HK$1,602/mo
Today · 4.125%
HK$62,032
baseline
▲ 0.50% · 4.625%
HK$65,301
+HK$3,269/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,064/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$985,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,481
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,456
−HK$2,006/mo
Today · 4.125%
HK$67,462
baseline
▲ 0.50% · 4.625%
HK$71,567
+HK$4,105/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,924/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$985,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,622
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,516
−HK$1,922/mo
Today · 4.125%
HK$74,438
baseline
▲ 0.50% · 4.625%
HK$78,362
+HK$3,924/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,876/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$985,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,062
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,365
−HK$2,341/mo
Today · 4.125%
HK$78,706
baseline
▲ 0.50% · 4.625%
HK$83,495
+HK$4,789/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,412/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$985,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,393
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,602
−HK$2,242/mo
Today · 4.125%
HK$86,844
baseline
▲ 0.50% · 4.625%
HK$91,422
+HK$4,578/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,688/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$985,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,222
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,184
−HK$3,009/mo
Today · 4.125%
HK$101,193
baseline
▲ 0.50% · 4.625%
HK$107,351
+HK$6,158/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,386/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,934
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,775
−HK$2,882/mo
Today · 4.125%
HK$111,657
baseline
▲ 0.50% · 4.625%
HK$117,542
+HK$5,885/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,314/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,985 · Scale 2, in force from 26 Feb 2026)