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$53,003
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,651
−HK$1,675/mo
Today · 4.125%
HK$56,326
baseline
▲ 0.50% · 4.625%
HK$59,754
+HK$3,428/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,652/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,965
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,546
−HK$1,605/mo
Today · 4.125%
HK$62,151
baseline
▲ 0.50% · 4.625%
HK$65,427
+HK$3,276/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,302/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,603
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,582
−HK$2,010/mo
Today · 4.125%
HK$67,592
baseline
▲ 0.50% · 4.625%
HK$71,704
+HK$4,112/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,184/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,758
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,656
−HK$1,925/mo
Today · 4.125%
HK$74,581
baseline
▲ 0.50% · 4.625%
HK$78,512
+HK$3,931/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,162/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,204
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,512
−HK$2,345/mo
Today · 4.125%
HK$78,857
baseline
▲ 0.50% · 4.625%
HK$83,655
+HK$4,798/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,714/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,551
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,765
−HK$2,246/mo
Today · 4.125%
HK$87,011
baseline
▲ 0.50% · 4.625%
HK$91,597
+HK$4,586/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,022/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,405
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,372
−HK$3,015/mo
Today · 4.125%
HK$101,387
baseline
▲ 0.50% · 4.625%
HK$107,557
+HK$6,170/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,774/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,137
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$108,983
−HK$2,888/mo
Today · 4.125%
HK$111,871
baseline
▲ 0.50% · 4.625%
HK$117,768
+HK$5,897/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,742/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,876 · Scale 2, in force from 26 Feb 2026)