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$52,986
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,634
−HK$1,675/mo
Today · 4.125%
HK$56,309
baseline
▲ 0.50% · 4.625%
HK$59,735
+HK$3,426/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,618/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,947
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,528
−HK$1,603/mo
Today · 4.125%
HK$62,131
baseline
▲ 0.50% · 4.625%
HK$65,406
+HK$3,275/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,262/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,584
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,561
−HK$2,010/mo
Today · 4.125%
HK$67,571
baseline
▲ 0.50% · 4.625%
HK$71,682
+HK$4,111/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$135,142/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,736
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,633
−HK$1,925/mo
Today · 4.125%
HK$74,558
baseline
▲ 0.50% · 4.625%
HK$78,488
+HK$3,930/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$149,116/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,181
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,488
−HK$2,345/mo
Today · 4.125%
HK$78,833
baseline
▲ 0.50% · 4.625%
HK$83,629
+HK$4,796/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,666/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,525
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,739
−HK$2,245/mo
Today · 4.125%
HK$86,984
baseline
▲ 0.50% · 4.625%
HK$91,569
+HK$4,585/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$173,968/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,375
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$98,342
−HK$3,014/mo
Today · 4.125%
HK$101,356
baseline
▲ 0.50% · 4.625%
HK$107,523
+HK$6,167/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$202,712/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,104
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,950
−HK$2,887/mo
Today · 4.125%
HK$111,837
baseline
▲ 0.50% · 4.625%
HK$117,732
+HK$5,895/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$223,674/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,572 · Scale 2, in force from 26 Feb 2026)