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$52,861
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,505
−HK$1,671/mo
Today · 4.125%
HK$56,176
baseline
▲ 0.50% · 4.625%
HK$59,594
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,352/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,808
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,385
−HK$1,600/mo
Today · 4.125%
HK$61,985
baseline
▲ 0.50% · 4.625%
HK$65,252
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,970/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,433
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,407
−HK$2,004/mo
Today · 4.125%
HK$67,411
baseline
▲ 0.50% · 4.625%
HK$71,513
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,822/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,569
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,462
−HK$1,920/mo
Today · 4.125%
HK$74,382
baseline
▲ 0.50% · 4.625%
HK$78,302
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,764/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,006
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,308
−HK$2,338/mo
Today · 4.125%
HK$78,646
baseline
▲ 0.50% · 4.625%
HK$83,432
+HK$4,786/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$157,292/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,331
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,539
−HK$2,240/mo
Today · 4.125%
HK$86,779
baseline
▲ 0.50% · 4.625%
HK$91,353
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$173,558/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,150
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,110
−HK$3,007/mo
Today · 4.125%
HK$101,117
baseline
▲ 0.50% · 4.625%
HK$107,270
+HK$6,153/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,234/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,854
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,692
−HK$2,880/mo
Today · 4.125%
HK$111,572
baseline
▲ 0.50% · 4.625%
HK$117,454
+HK$5,882/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,144/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,240 · Scale 2, in force from 26 Feb 2026)