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$52,904
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,549
−HK$1,672/mo
Today · 4.125%
HK$56,221
baseline
▲ 0.50% · 4.625%
HK$59,642
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,442/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,855
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,433
−HK$1,602/mo
Today · 4.125%
HK$62,035
baseline
▲ 0.50% · 4.625%
HK$65,305
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,070/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,485
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,459
−HK$2,007/mo
Today · 4.125%
HK$67,466
baseline
▲ 0.50% · 4.625%
HK$71,571
+HK$4,105/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,932/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,626
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,520
−HK$1,922/mo
Today · 4.125%
HK$74,442
baseline
▲ 0.50% · 4.625%
HK$78,366
+HK$3,924/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,884/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,065
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,369
−HK$2,341/mo
Today · 4.125%
HK$78,710
baseline
▲ 0.50% · 4.625%
HK$83,499
+HK$4,789/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,420/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,397
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,607
−HK$2,242/mo
Today · 4.125%
HK$86,849
baseline
▲ 0.50% · 4.625%
HK$91,426
+HK$4,577/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,698/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,227
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,189
−HK$3,009/mo
Today · 4.125%
HK$101,198
baseline
▲ 0.50% · 4.625%
HK$107,356
+HK$6,158/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,396/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,939
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,780
−HK$2,882/mo
Today · 4.125%
HK$111,662
baseline
▲ 0.50% · 4.625%
HK$117,548
+HK$5,886/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,324/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,035 · Scale 2, in force from 26 Feb 2026)