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$52,979
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,627
−HK$1,675/mo
Today · 4.125%
HK$56,302
baseline
▲ 0.50% · 4.625%
HK$59,728
+HK$3,426/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,604/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,939
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,520
−HK$1,603/mo
Today · 4.125%
HK$62,123
baseline
▲ 0.50% · 4.625%
HK$65,398
+HK$3,275/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,246/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,575
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,553
−HK$2,009/mo
Today · 4.125%
HK$67,562
baseline
▲ 0.50% · 4.625%
HK$71,673
+HK$4,111/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$135,124/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,727
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,624
−HK$1,924/mo
Today · 4.125%
HK$74,548
baseline
▲ 0.50% · 4.625%
HK$78,478
+HK$3,930/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$149,096/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,171
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,478
−HK$2,344/mo
Today · 4.125%
HK$78,822
baseline
▲ 0.50% · 4.625%
HK$83,619
+HK$4,797/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$157,644/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,515
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,728
−HK$2,245/mo
Today · 4.125%
HK$86,973
baseline
▲ 0.50% · 4.625%
HK$91,557
+HK$4,584/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$173,946/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,363
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$98,329
−HK$3,014/mo
Today · 4.125%
HK$101,343
baseline
▲ 0.50% · 4.625%
HK$107,510
+HK$6,167/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$202,686/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,090
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$108,936
−HK$2,886/mo
Today · 4.125%
HK$111,822
baseline
▲ 0.50% · 4.625%
HK$117,716
+HK$5,894/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$223,644/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,445 · Scale 2, in force from 26 Feb 2026)