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$52,912
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,558
−HK$1,673/mo
Today · 4.125%
HK$56,231
baseline
▲ 0.50% · 4.625%
HK$59,652
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,462/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,865
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,443
−HK$1,602/mo
Today · 4.125%
HK$62,045
baseline
▲ 0.50% · 4.625%
HK$65,315
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,090/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,495
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,470
−HK$2,007/mo
Today · 4.125%
HK$67,477
baseline
▲ 0.50% · 4.625%
HK$71,582
+HK$4,105/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,954/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,638
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,532
−HK$1,922/mo
Today · 4.125%
HK$74,454
baseline
▲ 0.50% · 4.625%
HK$78,378
+HK$3,924/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,908/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,077
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,382
−HK$2,341/mo
Today · 4.125%
HK$78,723
baseline
▲ 0.50% · 4.625%
HK$83,513
+HK$4,790/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,446/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,410
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,621
−HK$2,242/mo
Today · 4.125%
HK$86,863
baseline
▲ 0.50% · 4.625%
HK$91,441
+HK$4,578/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,726/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,242
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,205
−HK$3,010/mo
Today · 4.125%
HK$101,215
baseline
▲ 0.50% · 4.625%
HK$107,374
+HK$6,159/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,430/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,956
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,798
−HK$2,883/mo
Today · 4.125%
HK$111,681
baseline
▲ 0.50% · 4.625%
HK$117,568
+HK$5,887/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,362/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,197 · Scale 2, in force from 26 Feb 2026)