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$53,008
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,657
−HK$1,675/mo
Today · 4.125%
HK$56,332
baseline
▲ 0.50% · 4.625%
HK$59,760
+HK$3,428/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,664/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,971
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,553
−HK$1,604/mo
Today · 4.125%
HK$62,157
baseline
▲ 0.50% · 4.625%
HK$65,433
+HK$3,276/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,314/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,610
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,588
−HK$2,011/mo
Today · 4.125%
HK$67,599
baseline
▲ 0.50% · 4.625%
HK$71,712
+HK$4,113/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,198/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,765
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,663
−HK$1,925/mo
Today · 4.125%
HK$74,588
baseline
▲ 0.50% · 4.625%
HK$78,520
+HK$3,932/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,176/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,211
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,520
−HK$2,345/mo
Today · 4.125%
HK$78,865
baseline
▲ 0.50% · 4.625%
HK$83,664
+HK$4,799/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,730/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,559
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,774
−HK$2,246/mo
Today · 4.125%
HK$87,020
baseline
▲ 0.50% · 4.625%
HK$91,607
+HK$4,587/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,040/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,415
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$98,383
−HK$3,015/mo
Today · 4.125%
HK$101,398
baseline
▲ 0.50% · 4.625%
HK$107,568
+HK$6,170/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,796/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,148
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$108,995
−HK$2,888/mo
Today · 4.125%
HK$111,883
baseline
▲ 0.50% · 4.625%
HK$117,780
+HK$5,897/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,766/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,979 · Scale 2, in force from 26 Feb 2026)