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$52,984
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,632
−HK$1,675/mo
Today · 4.125%
HK$56,307
baseline
▲ 0.50% · 4.625%
HK$59,733
+HK$3,426/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,614/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,944
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,525
−HK$1,604/mo
Today · 4.125%
HK$62,129
baseline
▲ 0.50% · 4.625%
HK$65,404
+HK$3,275/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,258/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,581
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,559
−HK$2,009/mo
Today · 4.125%
HK$67,568
baseline
▲ 0.50% · 4.625%
HK$71,679
+HK$4,111/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$135,136/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,733
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,630
−HK$1,925/mo
Today · 4.125%
HK$74,555
baseline
▲ 0.50% · 4.625%
HK$78,484
+HK$3,929/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$149,110/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,178
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,485
−HK$2,344/mo
Today · 4.125%
HK$78,829
baseline
▲ 0.50% · 4.625%
HK$83,626
+HK$4,797/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,658/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,522
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,735
−HK$2,245/mo
Today · 4.125%
HK$86,980
baseline
▲ 0.50% · 4.625%
HK$91,565
+HK$4,585/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$173,960/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,371
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$98,338
−HK$3,014/mo
Today · 4.125%
HK$101,352
baseline
▲ 0.50% · 4.625%
HK$107,519
+HK$6,167/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$202,704/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,100
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$108,945
−HK$2,887/mo
Today · 4.125%
HK$111,832
baseline
▲ 0.50% · 4.625%
HK$117,727
+HK$5,895/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$223,664/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,531 · Scale 2, in force from 26 Feb 2026)