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$52,882
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,527
−HK$1,671/mo
Today · 4.125%
HK$56,198
baseline
▲ 0.50% · 4.625%
HK$59,618
+HK$3,420/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,396/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,831
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,409
−HK$1,600/mo
Today · 4.125%
HK$62,009
baseline
▲ 0.50% · 4.625%
HK$65,278
+HK$3,269/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,018/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,459
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,433
−HK$2,005/mo
Today · 4.125%
HK$67,438
baseline
▲ 0.50% · 4.625%
HK$71,542
+HK$4,104/mo
Deposit HK$9.28M · loan HK$13.91M · min. income ≈ HK$134,876/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,597
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,490
−HK$1,921/mo
Today · 4.125%
HK$74,411
baseline
▲ 0.50% · 4.625%
HK$78,334
+HK$3,923/mo
Deposit HK$9.28M · loan HK$13.91M · min. income ≈ HK$148,822/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,035
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,338
−HK$2,340/mo
Today · 4.125%
HK$78,678
baseline
▲ 0.50% · 4.625%
HK$83,465
+HK$4,787/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$157,356/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,363
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,572
−HK$2,241/mo
Today · 4.125%
HK$86,813
baseline
▲ 0.50% · 4.625%
HK$91,389
+HK$4,576/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$173,626/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,188
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,149
−HK$3,008/mo
Today · 4.125%
HK$101,157
baseline
▲ 0.50% · 4.625%
HK$107,312
+HK$6,155/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,314/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,896
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,736
−HK$2,881/mo
Today · 4.125%
HK$111,617
baseline
▲ 0.50% · 4.625%
HK$117,500
+HK$5,883/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,234/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,632 · Scale 2, in force from 26 Feb 2026)