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$52,910
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,556
−HK$1,672/mo
Today · 4.125%
HK$56,228
baseline
▲ 0.50% · 4.625%
HK$59,649
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,456/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,862
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,441
−HK$1,601/mo
Today · 4.125%
HK$62,042
baseline
▲ 0.50% · 4.625%
HK$65,312
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,084/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,492
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,467
−HK$2,007/mo
Today · 4.125%
HK$67,474
baseline
▲ 0.50% · 4.625%
HK$71,579
+HK$4,105/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,948/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,634
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,529
−HK$1,922/mo
Today · 4.125%
HK$74,451
baseline
▲ 0.50% · 4.625%
HK$78,375
+HK$3,924/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,902/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,074
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,378
−HK$2,341/mo
Today · 4.125%
HK$78,719
baseline
▲ 0.50% · 4.625%
HK$83,509
+HK$4,790/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,438/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,407
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,617
−HK$2,242/mo
Today · 4.125%
HK$86,859
baseline
▲ 0.50% · 4.625%
HK$91,437
+HK$4,578/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,718/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,238
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$98,201
−HK$3,009/mo
Today · 4.125%
HK$101,210
baseline
▲ 0.50% · 4.625%
HK$107,369
+HK$6,159/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,420/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,952
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,793
−HK$2,883/mo
Today · 4.125%
HK$111,676
baseline
▲ 0.50% · 4.625%
HK$117,562
+HK$5,886/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,352/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,152 · Scale 2, in force from 26 Feb 2026)