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$52,899
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,544
−HK$1,672/mo
Today · 4.125%
HK$56,216
baseline
▲ 0.50% · 4.625%
HK$59,637
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,432/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$985,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,850
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,428
−HK$1,601/mo
Today · 4.125%
HK$62,029
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,058/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$985,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,479
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,453
−HK$2,006/mo
Today · 4.125%
HK$67,459
baseline
▲ 0.50% · 4.625%
HK$71,564
+HK$4,105/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,918/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$985,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,620
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,513
−HK$1,922/mo
Today · 4.125%
HK$74,435
baseline
▲ 0.50% · 4.625%
HK$78,358
+HK$3,923/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,870/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$985,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,059
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,362
−HK$2,341/mo
Today · 4.125%
HK$78,703
baseline
▲ 0.50% · 4.625%
HK$83,492
+HK$4,789/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,406/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$985,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,389
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,599
−HK$2,242/mo
Today · 4.125%
HK$86,841
baseline
▲ 0.50% · 4.625%
HK$91,418
+HK$4,577/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,682/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$985,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,218
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,180
−HK$3,009/mo
Today · 4.125%
HK$101,189
baseline
▲ 0.50% · 4.625%
HK$107,346
+HK$6,157/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,378/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,929
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,770
−HK$2,882/mo
Today · 4.125%
HK$111,652
baseline
▲ 0.50% · 4.625%
HK$117,538
+HK$5,886/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,304/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,945 · Scale 2, in force from 26 Feb 2026)