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$52,961
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,608
−HK$1,674/mo
Today · 4.125%
HK$56,282
baseline
▲ 0.50% · 4.625%
HK$59,707
+HK$3,425/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,564/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,918
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,499
−HK$1,603/mo
Today · 4.125%
HK$62,102
baseline
▲ 0.50% · 4.625%
HK$65,375
+HK$3,273/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,204/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,553
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,530
−HK$2,008/mo
Today · 4.125%
HK$67,538
baseline
▲ 0.50% · 4.625%
HK$71,648
+HK$4,110/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$135,076/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,702
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,598
−HK$1,924/mo
Today · 4.125%
HK$74,522
baseline
▲ 0.50% · 4.625%
HK$78,450
+HK$3,928/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$149,044/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,145
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,451
−HK$2,344/mo
Today · 4.125%
HK$78,795
baseline
▲ 0.50% · 4.625%
HK$83,589
+HK$4,794/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$157,590/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$987,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,486
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,698
−HK$2,244/mo
Today · 4.125%
HK$86,942
baseline
▲ 0.50% · 4.625%
HK$91,525
+HK$4,583/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$173,884/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$987,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,329
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$98,295
−HK$3,012/mo
Today · 4.125%
HK$101,307
baseline
▲ 0.50% · 4.625%
HK$107,472
+HK$6,165/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,614/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,053
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$108,897
−HK$2,886/mo
Today · 4.125%
HK$111,783
baseline
▲ 0.50% · 4.625%
HK$117,675
+HK$5,892/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,566/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,098 · Scale 2, in force from 26 Feb 2026)