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$52,885
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,530
−HK$1,672/mo
Today · 4.125%
HK$56,202
baseline
▲ 0.50% · 4.625%
HK$59,621
+HK$3,419/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,404/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,834
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,412
−HK$1,601/mo
Today · 4.125%
HK$62,013
baseline
▲ 0.50% · 4.625%
HK$65,282
+HK$3,269/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,026/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,462
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,436
−HK$2,006/mo
Today · 4.125%
HK$67,442
baseline
▲ 0.50% · 4.625%
HK$71,546
+HK$4,104/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,884/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,601
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,495
−HK$1,921/mo
Today · 4.125%
HK$74,416
baseline
▲ 0.50% · 4.625%
HK$78,338
+HK$3,922/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,832/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,039
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,342
−HK$2,340/mo
Today · 4.125%
HK$78,682
baseline
▲ 0.50% · 4.625%
HK$83,470
+HK$4,788/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$157,364/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,368
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,577
−HK$2,241/mo
Today · 4.125%
HK$86,818
baseline
▲ 0.50% · 4.625%
HK$91,394
+HK$4,576/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$173,636/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,194
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,155
−HK$3,008/mo
Today · 4.125%
HK$101,163
baseline
▲ 0.50% · 4.625%
HK$107,319
+HK$6,156/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,326/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,902
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,742
−HK$2,881/mo
Today · 4.125%
HK$111,623
baseline
▲ 0.50% · 4.625%
HK$117,507
+HK$5,884/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,246/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,690 · Scale 2, in force from 26 Feb 2026)