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$52,999
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,648
−HK$1,675/mo
Today · 4.125%
HK$56,323
baseline
▲ 0.50% · 4.625%
HK$59,750
+HK$3,427/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,646/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,961
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,543
−HK$1,604/mo
Today · 4.125%
HK$62,147
baseline
▲ 0.50% · 4.625%
HK$65,423
+HK$3,276/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,294/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,599
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,578
−HK$2,010/mo
Today · 4.125%
HK$67,588
baseline
▲ 0.50% · 4.625%
HK$71,700
+HK$4,112/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,176/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,754
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,651
−HK$1,925/mo
Today · 4.125%
HK$74,576
baseline
▲ 0.50% · 4.625%
HK$78,507
+HK$3,931/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,152/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,199
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,507
−HK$2,345/mo
Today · 4.125%
HK$78,852
baseline
▲ 0.50% · 4.625%
HK$83,650
+HK$4,798/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,704/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,546
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,760
−HK$2,246/mo
Today · 4.125%
HK$87,006
baseline
▲ 0.50% · 4.625%
HK$91,592
+HK$4,586/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,012/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,399
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,367
−HK$3,014/mo
Today · 4.125%
HK$101,381
baseline
▲ 0.50% · 4.625%
HK$107,550
+HK$6,169/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,762/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,130
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$108,977
−HK$2,887/mo
Today · 4.125%
HK$111,864
baseline
▲ 0.50% · 4.625%
HK$117,761
+HK$5,897/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,728/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,818 · Scale 2, in force from 26 Feb 2026)