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$52,957
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,605
−HK$1,673/mo
Today · 4.125%
HK$56,278
baseline
▲ 0.50% · 4.625%
HK$59,703
+HK$3,425/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,556/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,914
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,494
−HK$1,603/mo
Today · 4.125%
HK$62,097
baseline
▲ 0.50% · 4.625%
HK$65,371
+HK$3,274/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,194/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,549
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,525
−HK$2,009/mo
Today · 4.125%
HK$67,534
baseline
▲ 0.50% · 4.625%
HK$71,643
+HK$4,109/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,068/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,697
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,593
−HK$1,924/mo
Today · 4.125%
HK$74,517
baseline
▲ 0.50% · 4.625%
HK$78,445
+HK$3,928/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$149,034/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,140
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,446
−HK$2,343/mo
Today · 4.125%
HK$78,789
baseline
▲ 0.50% · 4.625%
HK$83,584
+HK$4,795/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$157,578/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$987,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,480
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,692
−HK$2,244/mo
Today · 4.125%
HK$86,936
baseline
▲ 0.50% · 4.625%
HK$91,519
+HK$4,583/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$173,872/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$987,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,323
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$98,288
−HK$3,013/mo
Today · 4.125%
HK$101,301
baseline
▲ 0.50% · 4.625%
HK$107,465
+HK$6,164/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,602/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,046
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,890
−HK$2,885/mo
Today · 4.125%
HK$111,775
baseline
▲ 0.50% · 4.625%
HK$117,667
+HK$5,892/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,550/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,032 · Scale 2, in force from 26 Feb 2026)