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$52,972
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,619
−HK$1,674/mo
Today · 4.125%
HK$56,293
baseline
▲ 0.50% · 4.625%
HK$59,719
+HK$3,426/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,586/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,930
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,511
−HK$1,603/mo
Today · 4.125%
HK$62,114
baseline
▲ 0.50% · 4.625%
HK$65,388
+HK$3,274/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,228/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$987,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,566
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,543
−HK$2,009/mo
Today · 4.125%
HK$67,552
baseline
▲ 0.50% · 4.625%
HK$71,662
+HK$4,110/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$135,104/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,716
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,613
−HK$1,924/mo
Today · 4.125%
HK$74,537
baseline
▲ 0.50% · 4.625%
HK$78,466
+HK$3,929/mo
Deposit HK$9.29M · loan HK$13.94M · min. income ≈ HK$149,074/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,160
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,467
−HK$2,344/mo
Today · 4.125%
HK$78,811
baseline
▲ 0.50% · 4.625%
HK$83,606
+HK$4,795/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$157,622/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,502
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,715
−HK$2,245/mo
Today · 4.125%
HK$86,960
baseline
▲ 0.50% · 4.625%
HK$91,543
+HK$4,583/mo
Deposit HK$6.97M · loan HK$16.26M · min. income ≈ HK$173,920/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,349
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$98,315
−HK$3,013/mo
Today · 4.125%
HK$101,328
baseline
▲ 0.50% · 4.625%
HK$107,493
+HK$6,165/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$202,656/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,074
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$108,919
−HK$2,886/mo
Today · 4.125%
HK$111,805
baseline
▲ 0.50% · 4.625%
HK$117,699
+HK$5,894/mo
Deposit HK$2.32M · loan HK$20.91M · min. income ≈ HK$223,610/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,297 · Scale 2, in force from 26 Feb 2026)