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$52,945
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,592
−HK$1,673/mo
Today · 4.125%
HK$56,265
baseline
▲ 0.50% · 4.625%
HK$59,689
+HK$3,424/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,530/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,901
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,481
−HK$1,602/mo
Today · 4.125%
HK$62,083
baseline
▲ 0.50% · 4.625%
HK$65,356
+HK$3,273/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,166/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,534
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,511
−HK$2,007/mo
Today · 4.125%
HK$67,518
baseline
▲ 0.50% · 4.625%
HK$71,627
+HK$4,109/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,036/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,681
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,577
−HK$1,923/mo
Today · 4.125%
HK$74,500
baseline
▲ 0.50% · 4.625%
HK$78,427
+HK$3,927/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$149,000/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,123
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,429
−HK$2,342/mo
Today · 4.125%
HK$78,771
baseline
▲ 0.50% · 4.625%
HK$83,565
+HK$4,794/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$157,542/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,461
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,673
−HK$2,244/mo
Today · 4.125%
HK$86,917
baseline
▲ 0.50% · 4.625%
HK$91,498
+HK$4,581/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$173,834/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,301
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,266
−HK$3,012/mo
Today · 4.125%
HK$101,278
baseline
▲ 0.50% · 4.625%
HK$107,440
+HK$6,162/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,556/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,022
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$108,865
−HK$2,885/mo
Today · 4.125%
HK$111,750
baseline
▲ 0.50% · 4.625%
HK$117,640
+HK$5,890/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,500/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,807 · Scale 2, in force from 26 Feb 2026)