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$53,125
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,777
−HK$1,679/mo
Today · 4.125%
HK$56,456
baseline
▲ 0.50% · 4.625%
HK$59,891
+HK$3,435/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$112,912/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,101
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,686
−HK$1,608/mo
Today · 4.125%
HK$62,294
baseline
▲ 0.50% · 4.625%
HK$65,577
+HK$3,283/mo
Deposit HK$11.65M · loan HK$11.65M · min. income ≈ HK$124,588/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$990,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,749
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,732
−HK$2,015/mo
Today · 4.125%
HK$67,747
baseline
▲ 0.50% · 4.625%
HK$71,869
+HK$4,122/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$135,494/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,921
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,823
−HK$1,929/mo
Today · 4.125%
HK$74,752
baseline
▲ 0.50% · 4.625%
HK$78,693
+HK$3,941/mo
Deposit HK$9.32M · loan HK$13.98M · min. income ≈ HK$149,504/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$990,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,374
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,688
−HK$2,350/mo
Today · 4.125%
HK$79,038
baseline
▲ 0.50% · 4.625%
HK$83,848
+HK$4,810/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$158,076/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,741
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,960
−HK$2,251/mo
Today · 4.125%
HK$87,211
baseline
▲ 0.50% · 4.625%
HK$91,808
+HK$4,597/mo
Deposit HK$6.99M · loan HK$16.31M · min. income ≈ HK$174,422/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$990,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,624
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,599
−HK$3,022/mo
Today · 4.125%
HK$101,621
baseline
▲ 0.50% · 4.625%
HK$107,804
+HK$6,183/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$203,242/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,381
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,234
−HK$2,894/mo
Today · 4.125%
HK$112,128
baseline
▲ 0.50% · 4.625%
HK$118,039
+HK$5,911/mo
Deposit HK$2.33M · loan HK$20.97M · min. income ≈ HK$224,256/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$990,150 · Scale 2, in force from 26 Feb 2026)