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$52,946
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,592
−HK$1,674/mo
Today · 4.125%
HK$56,266
baseline
▲ 0.50% · 4.625%
HK$59,689
+HK$3,423/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,532/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,901
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,481
−HK$1,603/mo
Today · 4.125%
HK$62,084
baseline
▲ 0.50% · 4.625%
HK$65,356
+HK$3,272/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,168/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,535
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,511
−HK$2,008/mo
Today · 4.125%
HK$67,519
baseline
▲ 0.50% · 4.625%
HK$71,627
+HK$4,108/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,038/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,682
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,577
−HK$1,923/mo
Today · 4.125%
HK$74,500
baseline
▲ 0.50% · 4.625%
HK$78,427
+HK$3,927/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$149,000/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,124
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,429
−HK$2,343/mo
Today · 4.125%
HK$78,772
baseline
▲ 0.50% · 4.625%
HK$83,565
+HK$4,793/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$157,544/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,462
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,674
−HK$2,243/mo
Today · 4.125%
HK$86,917
baseline
▲ 0.50% · 4.625%
HK$91,499
+HK$4,582/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$173,834/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,302
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$98,266
−HK$3,012/mo
Today · 4.125%
HK$101,278
baseline
▲ 0.50% · 4.625%
HK$107,441
+HK$6,163/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,556/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,023
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$108,866
−HK$2,885/mo
Today · 4.125%
HK$111,751
baseline
▲ 0.50% · 4.625%
HK$117,641
+HK$5,890/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,502/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,813 · Scale 2, in force from 26 Feb 2026)