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$53,007
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,656
−HK$1,675/mo
Today · 4.125%
HK$56,331
baseline
▲ 0.50% · 4.625%
HK$59,758
+HK$3,427/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,662/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,970
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,551
−HK$1,605/mo
Today · 4.125%
HK$62,156
baseline
▲ 0.50% · 4.625%
HK$65,432
+HK$3,276/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,312/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,608
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,587
−HK$2,010/mo
Today · 4.125%
HK$67,597
baseline
▲ 0.50% · 4.625%
HK$71,710
+HK$4,113/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,194/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,764
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,661
−HK$1,926/mo
Today · 4.125%
HK$74,587
baseline
▲ 0.50% · 4.625%
HK$78,518
+HK$3,931/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,174/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,210
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,518
−HK$2,345/mo
Today · 4.125%
HK$78,863
baseline
▲ 0.50% · 4.625%
HK$83,662
+HK$4,799/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,726/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,557
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,772
−HK$2,246/mo
Today · 4.125%
HK$87,018
baseline
▲ 0.50% · 4.625%
HK$91,605
+HK$4,587/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,036/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,412
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,380
−HK$3,016/mo
Today · 4.125%
HK$101,396
baseline
▲ 0.50% · 4.625%
HK$107,565
+HK$6,169/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,792/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,145
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$108,992
−HK$2,888/mo
Today · 4.125%
HK$111,880
baseline
▲ 0.50% · 4.625%
HK$117,777
+HK$5,897/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,760/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,956 · Scale 2, in force from 26 Feb 2026)