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$52,944
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,591
−HK$1,673/mo
Today · 4.125%
HK$56,264
baseline
▲ 0.50% · 4.625%
HK$59,687
+HK$3,423/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,528/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,899
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,479
−HK$1,603/mo
Today · 4.125%
HK$62,082
baseline
▲ 0.50% · 4.625%
HK$65,354
+HK$3,272/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,164/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,533
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,509
−HK$2,008/mo
Today · 4.125%
HK$67,517
baseline
▲ 0.50% · 4.625%
HK$71,625
+HK$4,108/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,034/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,679
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,575
−HK$1,923/mo
Today · 4.125%
HK$74,498
baseline
▲ 0.50% · 4.625%
HK$78,425
+HK$3,927/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$148,996/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,121
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,427
−HK$2,342/mo
Today · 4.125%
HK$78,769
baseline
▲ 0.50% · 4.625%
HK$83,562
+HK$4,793/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$157,538/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,459
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,671
−HK$2,243/mo
Today · 4.125%
HK$86,914
baseline
▲ 0.50% · 4.625%
HK$91,496
+HK$4,582/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$173,828/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,299
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$98,263
−HK$3,012/mo
Today · 4.125%
HK$101,275
baseline
▲ 0.50% · 4.625%
HK$107,437
+HK$6,162/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,550/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,019
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$108,862
−HK$2,885/mo
Today · 4.125%
HK$111,747
baseline
▲ 0.50% · 4.625%
HK$117,637
+HK$5,890/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,494/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,781 · Scale 2, in force from 26 Feb 2026)