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$52,996
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,644
−HK$1,675/mo
Today · 4.125%
HK$56,319
baseline
▲ 0.50% · 4.625%
HK$59,746
+HK$3,427/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,638/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,957
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,538
−HK$1,604/mo
Today · 4.125%
HK$62,142
baseline
▲ 0.50% · 4.625%
HK$65,418
+HK$3,276/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,284/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,595
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,573
−HK$2,010/mo
Today · 4.125%
HK$67,583
baseline
▲ 0.50% · 4.625%
HK$71,695
+HK$4,112/mo
Deposit HK$9.30M · loan HK$13.94M · min. income ≈ HK$135,166/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,748
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,646
−HK$1,925/mo
Today · 4.125%
HK$74,571
baseline
▲ 0.50% · 4.625%
HK$78,501
+HK$3,930/mo
Deposit HK$9.30M · loan HK$13.94M · min. income ≈ HK$149,142/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,194
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,502
−HK$2,344/mo
Today · 4.125%
HK$78,846
baseline
▲ 0.50% · 4.625%
HK$83,644
+HK$4,798/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,692/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,540
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,753
−HK$2,246/mo
Today · 4.125%
HK$86,999
baseline
▲ 0.50% · 4.625%
HK$91,585
+HK$4,586/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$173,998/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,392
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,359
−HK$3,015/mo
Today · 4.125%
HK$101,374
baseline
▲ 0.50% · 4.625%
HK$107,542
+HK$6,168/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,748/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,123
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,969
−HK$2,887/mo
Today · 4.125%
HK$111,856
baseline
▲ 0.50% · 4.625%
HK$117,752
+HK$5,896/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,712/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,744 · Scale 2, in force from 26 Feb 2026)