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$52,905
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,551
−HK$1,672/mo
Today · 4.125%
HK$56,223
baseline
▲ 0.50% · 4.625%
HK$59,644
+HK$3,421/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$112,446/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,857
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,435
−HK$1,601/mo
Today · 4.125%
HK$62,036
baseline
▲ 0.50% · 4.625%
HK$65,306
+HK$3,270/mo
Deposit HK$11.60M · loan HK$11.60M · min. income ≈ HK$124,072/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,486
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,461
−HK$2,006/mo
Today · 4.125%
HK$67,467
baseline
▲ 0.50% · 4.625%
HK$71,573
+HK$4,106/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$134,934/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,628
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,522
−HK$1,922/mo
Today · 4.125%
HK$74,444
baseline
▲ 0.50% · 4.625%
HK$78,368
+HK$3,924/mo
Deposit HK$9.28M · loan HK$13.92M · min. income ≈ HK$148,888/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,067
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,371
−HK$2,341/mo
Today · 4.125%
HK$78,712
baseline
▲ 0.50% · 4.625%
HK$83,502
+HK$4,790/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$157,424/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,399
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,609
−HK$2,242/mo
Today · 4.125%
HK$86,851
baseline
▲ 0.50% · 4.625%
HK$91,429
+HK$4,578/mo
Deposit HK$6.96M · loan HK$16.24M · min. income ≈ HK$173,702/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,230
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,192
−HK$3,009/mo
Today · 4.125%
HK$101,201
baseline
▲ 0.50% · 4.625%
HK$107,359
+HK$6,158/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$202,402/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,942
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,783
−HK$2,883/mo
Today · 4.125%
HK$111,666
baseline
▲ 0.50% · 4.625%
HK$117,552
+HK$5,886/mo
Deposit HK$2.32M · loan HK$20.88M · min. income ≈ HK$223,332/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,063 · Scale 2, in force from 26 Feb 2026)