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$52,887
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,532
−HK$1,672/mo
Today · 4.125%
HK$56,204
baseline
▲ 0.50% · 4.625%
HK$59,624
+HK$3,420/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,408/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,836
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,414
−HK$1,601/mo
Today · 4.125%
HK$62,015
baseline
▲ 0.50% · 4.625%
HK$65,284
+HK$3,269/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,030/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,465
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,439
−HK$2,005/mo
Today · 4.125%
HK$67,444
baseline
▲ 0.50% · 4.625%
HK$71,548
+HK$4,104/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,888/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,604
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,497
−HK$1,921/mo
Today · 4.125%
HK$74,418
baseline
▲ 0.50% · 4.625%
HK$78,341
+HK$3,923/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,836/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,042
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,345
−HK$2,340/mo
Today · 4.125%
HK$78,685
baseline
▲ 0.50% · 4.625%
HK$83,473
+HK$4,788/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,370/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,371
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,580
−HK$2,241/mo
Today · 4.125%
HK$86,821
baseline
▲ 0.50% · 4.625%
HK$91,398
+HK$4,577/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,642/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,197
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$98,158
−HK$3,009/mo
Today · 4.125%
HK$101,167
baseline
▲ 0.50% · 4.625%
HK$107,322
+HK$6,155/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,334/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,906
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,746
−HK$2,881/mo
Today · 4.125%
HK$111,627
baseline
▲ 0.50% · 4.625%
HK$117,511
+HK$5,884/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,254/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,726 · Scale 2, in force from 26 Feb 2026)