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$52,921
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,567
−HK$1,673/mo
Today · 4.125%
HK$56,240
baseline
▲ 0.50% · 4.625%
HK$59,662
+HK$3,422/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,480/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,874
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,453
−HK$1,602/mo
Today · 4.125%
HK$62,055
baseline
▲ 0.50% · 4.625%
HK$65,326
+HK$3,271/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,110/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,505
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,481
−HK$2,007/mo
Today · 4.125%
HK$67,488
baseline
▲ 0.50% · 4.625%
HK$71,594
+HK$4,106/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$134,976/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,649
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,544
−HK$1,922/mo
Today · 4.125%
HK$74,466
baseline
▲ 0.50% · 4.625%
HK$78,391
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$148,932/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,090
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,394
−HK$2,342/mo
Today · 4.125%
HK$78,736
baseline
▲ 0.50% · 4.625%
HK$83,527
+HK$4,791/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$157,472/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,424
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,635
−HK$2,242/mo
Today · 4.125%
HK$86,877
baseline
▲ 0.50% · 4.625%
HK$91,456
+HK$4,579/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$173,754/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,258
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,221
−HK$3,011/mo
Today · 4.125%
HK$101,232
baseline
▲ 0.50% · 4.625%
HK$107,391
+HK$6,159/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,464/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,974
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,816
−HK$2,883/mo
Today · 4.125%
HK$111,699
baseline
▲ 0.50% · 4.625%
HK$117,587
+HK$5,888/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,398/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,358 · Scale 2, in force from 26 Feb 2026)