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$52,937
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,584
−HK$1,673/mo
Today · 4.125%
HK$56,257
baseline
▲ 0.50% · 4.625%
HK$59,680
+HK$3,423/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,514/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,892
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,471
−HK$1,603/mo
Today · 4.125%
HK$62,074
baseline
▲ 0.50% · 4.625%
HK$65,346
+HK$3,272/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,148/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,524
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,500
−HK$2,008/mo
Today · 4.125%
HK$67,508
baseline
▲ 0.50% · 4.625%
HK$71,616
+HK$4,108/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,016/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,670
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,566
−HK$1,922/mo
Today · 4.125%
HK$74,488
baseline
▲ 0.50% · 4.625%
HK$78,415
+HK$3,927/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$148,976/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,112
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,417
−HK$2,342/mo
Today · 4.125%
HK$78,759
baseline
▲ 0.50% · 4.625%
HK$83,552
+HK$4,793/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$157,518/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,449
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,660
−HK$2,243/mo
Today · 4.125%
HK$86,903
baseline
▲ 0.50% · 4.625%
HK$91,484
+HK$4,581/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$173,806/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,287
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,251
−HK$3,011/mo
Today · 4.125%
HK$101,262
baseline
▲ 0.50% · 4.625%
HK$107,424
+HK$6,162/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,524/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,005
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$108,848
−HK$2,885/mo
Today · 4.125%
HK$111,733
baseline
▲ 0.50% · 4.625%
HK$117,622
+HK$5,889/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,466/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,654 · Scale 2, in force from 26 Feb 2026)