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$52,997
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,645
−HK$1,675/mo
Today · 4.125%
HK$56,320
baseline
▲ 0.50% · 4.625%
HK$59,747
+HK$3,427/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,640/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,958
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,540
−HK$1,604/mo
Today · 4.125%
HK$62,144
baseline
▲ 0.50% · 4.625%
HK$65,419
+HK$3,275/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,288/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,596
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,574
−HK$2,010/mo
Today · 4.125%
HK$67,584
baseline
▲ 0.50% · 4.625%
HK$71,696
+HK$4,112/mo
Deposit HK$9.30M · loan HK$13.94M · min. income ≈ HK$135,168/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,750
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,647
−HK$1,925/mo
Today · 4.125%
HK$74,572
baseline
▲ 0.50% · 4.625%
HK$78,503
+HK$3,931/mo
Deposit HK$9.30M · loan HK$13.94M · min. income ≈ HK$149,144/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$987,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,195
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,503
−HK$2,345/mo
Today · 4.125%
HK$78,848
baseline
▲ 0.50% · 4.625%
HK$83,646
+HK$4,798/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,696/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,542
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,755
−HK$2,246/mo
Today · 4.125%
HK$87,001
baseline
▲ 0.50% · 4.625%
HK$91,587
+HK$4,586/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,002/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,394
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,361
−HK$3,015/mo
Today · 4.125%
HK$101,376
baseline
▲ 0.50% · 4.625%
HK$107,545
+HK$6,169/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,752/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,125
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$108,971
−HK$2,888/mo
Today · 4.125%
HK$111,859
baseline
▲ 0.50% · 4.625%
HK$117,755
+HK$5,896/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,718/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,767 · Scale 2, in force from 26 Feb 2026)