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$52,859
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,503
−HK$1,671/mo
Today · 4.125%
HK$56,174
baseline
▲ 0.50% · 4.625%
HK$59,592
+HK$3,418/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,348/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,805
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,382
−HK$1,600/mo
Today · 4.125%
HK$61,982
baseline
▲ 0.50% · 4.625%
HK$65,249
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,964/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$985,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,431
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,404
−HK$2,004/mo
Today · 4.125%
HK$67,408
baseline
▲ 0.50% · 4.625%
HK$71,510
+HK$4,102/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,816/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,566
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,459
−HK$1,920/mo
Today · 4.125%
HK$74,379
baseline
▲ 0.50% · 4.625%
HK$78,299
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,758/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,003
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,305
−HK$2,338/mo
Today · 4.125%
HK$78,643
baseline
▲ 0.50% · 4.625%
HK$83,428
+HK$4,785/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$157,286/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,327
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,535
−HK$2,240/mo
Today · 4.125%
HK$86,775
baseline
▲ 0.50% · 4.625%
HK$91,349
+HK$4,574/mo
Deposit HK$6.95M · loan HK$16.23M · min. income ≈ HK$173,550/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,146
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,106
−HK$3,007/mo
Today · 4.125%
HK$101,113
baseline
▲ 0.50% · 4.625%
HK$107,265
+HK$6,152/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,226/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,849
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,688
−HK$2,880/mo
Today · 4.125%
HK$111,568
baseline
▲ 0.50% · 4.625%
HK$117,449
+HK$5,881/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,136/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,200 · Scale 2, in force from 26 Feb 2026)