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$52,982
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,630
−HK$1,674/mo
Today · 4.125%
HK$56,304
baseline
▲ 0.50% · 4.625%
HK$59,730
+HK$3,426/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,608/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,942
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,523
−HK$1,603/mo
Today · 4.125%
HK$62,126
baseline
▲ 0.50% · 4.625%
HK$65,401
+HK$3,275/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,252/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,578
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,556
−HK$2,009/mo
Today · 4.125%
HK$67,565
baseline
▲ 0.50% · 4.625%
HK$71,676
+HK$4,111/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$135,130/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,730
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,627
−HK$1,924/mo
Today · 4.125%
HK$74,551
baseline
▲ 0.50% · 4.625%
HK$78,481
+HK$3,930/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$149,102/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,175
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,482
−HK$2,344/mo
Today · 4.125%
HK$78,826
baseline
▲ 0.50% · 4.625%
HK$83,622
+HK$4,796/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$157,652/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,518
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,732
−HK$2,245/mo
Today · 4.125%
HK$86,977
baseline
▲ 0.50% · 4.625%
HK$91,561
+HK$4,584/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$173,954/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,367
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$98,334
−HK$3,014/mo
Today · 4.125%
HK$101,348
baseline
▲ 0.50% · 4.625%
HK$107,514
+HK$6,166/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$202,696/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,095
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$108,941
−HK$2,886/mo
Today · 4.125%
HK$111,827
baseline
▲ 0.50% · 4.625%
HK$117,722
+HK$5,895/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$223,654/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,490 · Scale 2, in force from 26 Feb 2026)