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$52,881
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,525
−HK$1,672/mo
Today · 4.125%
HK$56,197
baseline
▲ 0.50% · 4.625%
HK$59,616
+HK$3,419/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,394/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,829
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,407
−HK$1,600/mo
Today · 4.125%
HK$62,007
baseline
▲ 0.50% · 4.625%
HK$65,276
+HK$3,269/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,014/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,457
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,431
−HK$2,005/mo
Today · 4.125%
HK$67,436
baseline
▲ 0.50% · 4.625%
HK$71,539
+HK$4,103/mo
Deposit HK$9.28M · loan HK$13.91M · min. income ≈ HK$134,872/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,595
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,488
−HK$1,921/mo
Today · 4.125%
HK$74,409
baseline
▲ 0.50% · 4.625%
HK$78,331
+HK$3,922/mo
Deposit HK$9.28M · loan HK$13.91M · min. income ≈ HK$148,818/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,033
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,336
−HK$2,339/mo
Today · 4.125%
HK$78,675
baseline
▲ 0.50% · 4.625%
HK$83,463
+HK$4,788/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$157,350/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,361
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,570
−HK$2,240/mo
Today · 4.125%
HK$86,810
baseline
▲ 0.50% · 4.625%
HK$91,386
+HK$4,576/mo
Deposit HK$6.96M · loan HK$16.23M · min. income ≈ HK$173,620/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,185
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,146
−HK$3,008/mo
Today · 4.125%
HK$101,154
baseline
▲ 0.50% · 4.625%
HK$107,309
+HK$6,155/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$202,308/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,892
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,732
−HK$2,881/mo
Today · 4.125%
HK$111,613
baseline
▲ 0.50% · 4.625%
HK$117,497
+HK$5,884/mo
Deposit HK$2.32M · loan HK$20.87M · min. income ≈ HK$223,226/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,602 · Scale 2, in force from 26 Feb 2026)