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$52,915
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,561
−HK$1,672/mo
Today · 4.125%
HK$56,233
baseline
▲ 0.50% · 4.625%
HK$59,655
+HK$3,422/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,466/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,867
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,446
−HK$1,602/mo
Today · 4.125%
HK$62,048
baseline
▲ 0.50% · 4.625%
HK$65,318
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,096/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,498
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,473
−HK$2,007/mo
Today · 4.125%
HK$67,480
baseline
▲ 0.50% · 4.625%
HK$71,586
+HK$4,106/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,960/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,641
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,535
−HK$1,922/mo
Today · 4.125%
HK$74,457
baseline
▲ 0.50% · 4.625%
HK$78,382
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,914/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,081
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,385
−HK$2,342/mo
Today · 4.125%
HK$78,727
baseline
▲ 0.50% · 4.625%
HK$83,517
+HK$4,790/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,454/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,414
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,625
−HK$2,242/mo
Today · 4.125%
HK$86,867
baseline
▲ 0.50% · 4.625%
HK$91,446
+HK$4,579/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,734/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,247
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,210
−HK$3,010/mo
Today · 4.125%
HK$101,220
baseline
▲ 0.50% · 4.625%
HK$107,379
+HK$6,159/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,440/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,961
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,803
−HK$2,883/mo
Today · 4.125%
HK$111,686
baseline
▲ 0.50% · 4.625%
HK$117,573
+HK$5,887/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,372/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,244 · Scale 2, in force from 26 Feb 2026)