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$52,902
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,548
−HK$1,672/mo
Today · 4.125%
HK$56,220
baseline
▲ 0.50% · 4.625%
HK$59,641
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,440/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,853
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,432
−HK$1,601/mo
Today · 4.125%
HK$62,033
baseline
▲ 0.50% · 4.625%
HK$65,303
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,066/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,483
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,458
−HK$2,006/mo
Today · 4.125%
HK$67,464
baseline
▲ 0.50% · 4.625%
HK$71,569
+HK$4,105/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,928/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,624
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,518
−HK$1,922/mo
Today · 4.125%
HK$74,440
baseline
▲ 0.50% · 4.625%
HK$78,364
+HK$3,924/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,880/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,063
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,367
−HK$2,341/mo
Today · 4.125%
HK$78,708
baseline
▲ 0.50% · 4.625%
HK$83,497
+HK$4,789/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,416/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,395
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,605
−HK$2,241/mo
Today · 4.125%
HK$86,846
baseline
▲ 0.50% · 4.625%
HK$91,424
+HK$4,578/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,692/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,224
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$98,186
−HK$3,010/mo
Today · 4.125%
HK$101,196
baseline
▲ 0.50% · 4.625%
HK$107,353
+HK$6,157/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,392/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,936
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,777
−HK$2,883/mo
Today · 4.125%
HK$111,660
baseline
▲ 0.50% · 4.625%
HK$117,545
+HK$5,885/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,320/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,010 · Scale 2, in force from 26 Feb 2026)