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$52,896
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,541
−HK$1,672/mo
Today · 4.125%
HK$56,213
baseline
▲ 0.50% · 4.625%
HK$59,634
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,426/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,846
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,425
−HK$1,601/mo
Today · 4.125%
HK$62,026
baseline
▲ 0.50% · 4.625%
HK$65,295
+HK$3,269/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,052/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,475
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,450
−HK$2,006/mo
Today · 4.125%
HK$67,456
baseline
▲ 0.50% · 4.625%
HK$71,560
+HK$4,104/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,912/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,616
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,509
−HK$1,922/mo
Today · 4.125%
HK$74,431
baseline
▲ 0.50% · 4.625%
HK$78,354
+HK$3,923/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,862/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,054
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,358
−HK$2,340/mo
Today · 4.125%
HK$78,698
baseline
▲ 0.50% · 4.625%
HK$83,487
+HK$4,789/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,396/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$985,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,385
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,594
−HK$2,242/mo
Today · 4.125%
HK$86,836
baseline
▲ 0.50% · 4.625%
HK$91,413
+HK$4,577/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,672/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$985,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,213
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,175
−HK$3,009/mo
Today · 4.125%
HK$101,184
baseline
▲ 0.50% · 4.625%
HK$107,340
+HK$6,156/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,368/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,923
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,764
−HK$2,882/mo
Today · 4.125%
HK$111,646
baseline
▲ 0.50% · 4.625%
HK$117,531
+HK$5,885/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,292/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$985,891 · Scale 2, in force from 26 Feb 2026)