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$59,688
+HK$3,423/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$986,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,901
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,480
−HK$1,603/mo
Today · 4.125%
HK$62,083
baseline
▲ 0.50% · 4.625%
HK$65,355
+HK$3,272/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$986,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,534
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,510
−HK$2,008/mo
Today · 4.125%
HK$67,518
baseline
▲ 0.50% · 4.625%
HK$71,626
+HK$4,108/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$986,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,681
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,576
−HK$1,923/mo
Today · 4.125%
HK$74,499
baseline
▲ 0.50% · 4.625%
HK$78,426
+HK$3,927/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$148,998/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,123
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,428
−HK$2,343/mo
Today · 4.125%
HK$78,771
baseline
▲ 0.50% · 4.625%
HK$83,564
+HK$4,793/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$986,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,461
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,672
−HK$2,244/mo
Today · 4.125%
HK$86,916
baseline
▲ 0.50% · 4.625%
HK$91,497
+HK$4,581/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$173,832/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,301
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$98,265
−HK$3,012/mo
Today · 4.125%
HK$101,277
baseline
▲ 0.50% · 4.625%
HK$107,439
+HK$6,162/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,554/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,021
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$108,864
−HK$2,885/mo
Today · 4.125%
HK$111,749
baseline
▲ 0.50% · 4.625%
HK$117,639
+HK$5,890/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,498/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,798 · Scale 2, in force from 26 Feb 2026)