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$53,001
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,650
−HK$1,675/mo
Today · 4.125%
HK$56,325
baseline
▲ 0.50% · 4.625%
HK$59,752
+HK$3,427/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,650/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,963
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,544
−HK$1,605/mo
Today · 4.125%
HK$62,149
baseline
▲ 0.50% · 4.625%
HK$65,425
+HK$3,276/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,298/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,601
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,580
−HK$2,010/mo
Today · 4.125%
HK$67,590
baseline
▲ 0.50% · 4.625%
HK$71,702
+HK$4,112/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,180/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,756
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,653
−HK$1,925/mo
Today · 4.125%
HK$74,578
baseline
▲ 0.50% · 4.625%
HK$78,510
+HK$3,932/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,156/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,201
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,510
−HK$2,345/mo
Today · 4.125%
HK$78,855
baseline
▲ 0.50% · 4.625%
HK$83,653
+HK$4,798/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,710/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,548
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,762
−HK$2,246/mo
Today · 4.125%
HK$87,008
baseline
▲ 0.50% · 4.625%
HK$91,594
+HK$4,586/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,016/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,402
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,369
−HK$3,015/mo
Today · 4.125%
HK$101,384
baseline
▲ 0.50% · 4.625%
HK$107,553
+HK$6,169/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,768/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,134
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$108,980
−HK$2,888/mo
Today · 4.125%
HK$111,868
baseline
▲ 0.50% · 4.625%
HK$117,764
+HK$5,896/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,736/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,847 · Scale 2, in force from 26 Feb 2026)