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$52,922
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,569
−HK$1,672/mo
Today · 4.125%
HK$56,241
baseline
▲ 0.50% · 4.625%
HK$59,663
+HK$3,422/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,482/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,876
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,455
−HK$1,602/mo
Today · 4.125%
HK$62,057
baseline
▲ 0.50% · 4.625%
HK$65,328
+HK$3,271/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,114/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,507
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,482
−HK$2,007/mo
Today · 4.125%
HK$67,489
baseline
▲ 0.50% · 4.625%
HK$71,596
+HK$4,107/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$134,978/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,651
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,546
−HK$1,922/mo
Today · 4.125%
HK$74,468
baseline
▲ 0.50% · 4.625%
HK$78,393
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$148,936/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,091
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,396
−HK$2,342/mo
Today · 4.125%
HK$78,738
baseline
▲ 0.50% · 4.625%
HK$83,529
+HK$4,791/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$157,476/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,426
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,637
−HK$2,242/mo
Today · 4.125%
HK$86,879
baseline
▲ 0.50% · 4.625%
HK$91,459
+HK$4,580/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$173,758/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,260
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,224
−HK$3,010/mo
Today · 4.125%
HK$101,234
baseline
▲ 0.50% · 4.625%
HK$107,394
+HK$6,160/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,468/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,976
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,819
−HK$2,883/mo
Today · 4.125%
HK$111,702
baseline
▲ 0.50% · 4.625%
HK$117,590
+HK$5,888/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,404/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,383 · Scale 2, in force from 26 Feb 2026)