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$52,927
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,573
−HK$1,672/mo
Today · 4.125%
HK$56,245
baseline
▲ 0.50% · 4.625%
HK$59,668
+HK$3,423/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,490/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,880
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,459
−HK$1,602/mo
Today · 4.125%
HK$62,061
baseline
▲ 0.50% · 4.625%
HK$65,333
+HK$3,272/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,122/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$986,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,512
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,487
−HK$2,008/mo
Today · 4.125%
HK$67,495
baseline
▲ 0.50% · 4.625%
HK$71,601
+HK$4,106/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$134,990/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,656
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,551
−HK$1,923/mo
Today · 4.125%
HK$74,474
baseline
▲ 0.50% · 4.625%
HK$78,399
+HK$3,925/mo
Deposit HK$9.28M · loan HK$13.93M · min. income ≈ HK$148,948/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,097
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,402
−HK$2,342/mo
Today · 4.125%
HK$78,744
baseline
▲ 0.50% · 4.625%
HK$83,535
+HK$4,791/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$157,488/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,432
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,643
−HK$2,243/mo
Today · 4.125%
HK$86,886
baseline
▲ 0.50% · 4.625%
HK$91,466
+HK$4,580/mo
Deposit HK$6.96M · loan HK$16.25M · min. income ≈ HK$173,772/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,268
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,231
−HK$3,011/mo
Today · 4.125%
HK$101,242
baseline
▲ 0.50% · 4.625%
HK$107,402
+HK$6,160/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$202,484/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,984
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,827
−HK$2,883/mo
Today · 4.125%
HK$111,710
baseline
▲ 0.50% · 4.625%
HK$117,599
+HK$5,889/mo
Deposit HK$2.32M · loan HK$20.89M · min. income ≈ HK$223,420/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,458 · Scale 2, in force from 26 Feb 2026)