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$52,890
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,535
−HK$1,671/mo
Today · 4.125%
HK$56,206
baseline
▲ 0.50% · 4.625%
HK$59,626
+HK$3,420/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,412/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,839
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,417
−HK$1,601/mo
Today · 4.125%
HK$62,018
baseline
▲ 0.50% · 4.625%
HK$65,287
+HK$3,269/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,036/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,467
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,442
−HK$2,005/mo
Today · 4.125%
HK$67,447
baseline
▲ 0.50% · 4.625%
HK$71,551
+HK$4,104/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,894/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,607
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,501
−HK$1,921/mo
Today · 4.125%
HK$74,422
baseline
▲ 0.50% · 4.625%
HK$78,344
+HK$3,922/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,844/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,045
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,349
−HK$2,340/mo
Today · 4.125%
HK$78,689
baseline
▲ 0.50% · 4.625%
HK$83,477
+HK$4,788/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,378/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,375
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,584
−HK$2,241/mo
Today · 4.125%
HK$86,825
baseline
▲ 0.50% · 4.625%
HK$91,402
+HK$4,577/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,650/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,201
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$98,163
−HK$3,008/mo
Today · 4.125%
HK$101,171
baseline
▲ 0.50% · 4.625%
HK$107,327
+HK$6,156/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,342/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,910
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,751
−HK$2,881/mo
Today · 4.125%
HK$111,632
baseline
▲ 0.50% · 4.625%
HK$117,517
+HK$5,885/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,264/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,770 · Scale 2, in force from 26 Feb 2026)