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$52,969
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,616
−HK$1,674/mo
Today · 4.125%
HK$56,290
baseline
▲ 0.50% · 4.625%
HK$59,715
+HK$3,425/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,580/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,927
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,507
−HK$1,604/mo
Today · 4.125%
HK$62,111
baseline
▲ 0.50% · 4.625%
HK$65,385
+HK$3,274/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,222/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,562
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,539
−HK$2,009/mo
Today · 4.125%
HK$67,548
baseline
▲ 0.50% · 4.625%
HK$71,658
+HK$4,110/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$135,096/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,712
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,609
−HK$1,924/mo
Today · 4.125%
HK$74,533
baseline
▲ 0.50% · 4.625%
HK$78,462
+HK$3,929/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$149,066/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,156
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,463
−HK$2,343/mo
Today · 4.125%
HK$78,806
baseline
▲ 0.50% · 4.625%
HK$83,601
+HK$4,795/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$157,612/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,498
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,710
−HK$2,245/mo
Today · 4.125%
HK$86,955
baseline
▲ 0.50% · 4.625%
HK$91,538
+HK$4,583/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$173,910/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,343
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$98,309
−HK$3,013/mo
Today · 4.125%
HK$101,322
baseline
▲ 0.50% · 4.625%
HK$107,488
+HK$6,166/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$202,644/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,069
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$108,913
−HK$2,886/mo
Today · 4.125%
HK$111,799
baseline
▲ 0.50% · 4.625%
HK$117,692
+HK$5,893/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$223,598/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,243 · Scale 2, in force from 26 Feb 2026)