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$52,737
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,377
−HK$1,667/mo
Today · 4.125%
HK$56,044
baseline
▲ 0.50% · 4.625%
HK$59,454
+HK$3,410/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,088/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$982,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,669
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,242
−HK$1,597/mo
Today · 4.125%
HK$61,839
baseline
▲ 0.50% · 4.625%
HK$65,098
+HK$3,259/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,678/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$982,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,284
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,252
−HK$2,000/mo
Today · 4.125%
HK$67,252
baseline
▲ 0.50% · 4.625%
HK$71,345
+HK$4,093/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,504/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,403
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,291
−HK$1,915/mo
Today · 4.125%
HK$74,206
baseline
▲ 0.50% · 4.625%
HK$78,118
+HK$3,912/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,412/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,831
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,128
−HK$2,333/mo
Today · 4.125%
HK$78,461
baseline
▲ 0.50% · 4.625%
HK$83,235
+HK$4,774/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,922/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,137
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,339
−HK$2,235/mo
Today · 4.125%
HK$86,574
baseline
▲ 0.50% · 4.625%
HK$91,138
+HK$4,564/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,148/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,926
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,879
−HK$3,000/mo
Today · 4.125%
HK$100,879
baseline
▲ 0.50% · 4.625%
HK$107,017
+HK$6,138/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,758/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,604
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,436
−HK$2,874/mo
Today · 4.125%
HK$111,310
baseline
▲ 0.50% · 4.625%
HK$117,177
+HK$5,867/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,620/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,919 · Scale 2, in force from 26 Feb 2026)