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$3,321/mo
▼ 0.25% · 3.875%
HK$54,593
−HK$1,674/mo
Today · 4.125%
HK$56,267
baseline
▲ 0.50% · 4.625%
HK$59,690
+HK$3,423/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$112,534/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,902
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,482
−HK$1,603/mo
Today · 4.125%
HK$62,085
baseline
▲ 0.50% · 4.625%
HK$65,357
+HK$3,272/mo
Deposit HK$11.61M · loan HK$11.61M · min. income ≈ HK$124,170/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$986,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,536
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,512
−HK$2,008/mo
Today · 4.125%
HK$67,520
baseline
▲ 0.50% · 4.625%
HK$71,628
+HK$4,108/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$135,040/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,683
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,578
−HK$1,924/mo
Today · 4.125%
HK$74,502
baseline
▲ 0.50% · 4.625%
HK$78,429
+HK$3,927/mo
Deposit HK$9.29M · loan HK$13.93M · min. income ≈ HK$149,004/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$986,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,125
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,431
−HK$2,342/mo
Today · 4.125%
HK$78,773
baseline
▲ 0.50% · 4.625%
HK$83,566
+HK$4,793/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$157,546/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,463
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,675
−HK$2,243/mo
Today · 4.125%
HK$86,918
baseline
▲ 0.50% · 4.625%
HK$91,500
+HK$4,582/mo
Deposit HK$6.97M · loan HK$16.25M · min. income ≈ HK$173,836/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$986,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,303
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,268
−HK$3,012/mo
Today · 4.125%
HK$101,280
baseline
▲ 0.50% · 4.625%
HK$107,442
+HK$6,162/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$202,560/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,024
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$108,868
−HK$2,884/mo
Today · 4.125%
HK$111,752
baseline
▲ 0.50% · 4.625%
HK$117,643
+HK$5,891/mo
Deposit HK$2.32M · loan HK$20.90M · min. income ≈ HK$223,504/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$986,829 · Scale 2, in force from 26 Feb 2026)