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$53,006
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,655
−HK$1,675/mo
Today · 4.125%
HK$56,330
baseline
▲ 0.50% · 4.625%
HK$59,757
+HK$3,427/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$112,660/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,969
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,550
−HK$1,604/mo
Today · 4.125%
HK$62,154
baseline
▲ 0.50% · 4.625%
HK$65,431
+HK$3,277/mo
Deposit HK$11.62M · loan HK$11.62M · min. income ≈ HK$124,308/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$987,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,607
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,586
−HK$2,010/mo
Today · 4.125%
HK$67,596
baseline
▲ 0.50% · 4.625%
HK$71,709
+HK$4,113/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$135,192/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,762
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,660
−HK$1,925/mo
Today · 4.125%
HK$74,585
baseline
▲ 0.50% · 4.625%
HK$78,517
+HK$3,932/mo
Deposit HK$9.30M · loan HK$13.95M · min. income ≈ HK$149,170/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$987,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,208
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,517
−HK$2,345/mo
Today · 4.125%
HK$78,862
baseline
▲ 0.50% · 4.625%
HK$83,660
+HK$4,798/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$157,724/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,556
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,770
−HK$2,246/mo
Today · 4.125%
HK$87,016
baseline
▲ 0.50% · 4.625%
HK$91,603
+HK$4,587/mo
Deposit HK$6.97M · loan HK$16.27M · min. income ≈ HK$174,032/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$987,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,411
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$98,379
−HK$3,015/mo
Today · 4.125%
HK$101,394
baseline
▲ 0.50% · 4.625%
HK$107,563
+HK$6,169/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$202,788/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,143
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$108,990
−HK$2,888/mo
Today · 4.125%
HK$111,878
baseline
▲ 0.50% · 4.625%
HK$117,775
+HK$5,897/mo
Deposit HK$2.32M · loan HK$20.92M · min. income ≈ HK$223,756/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$987,939 · Scale 2, in force from 26 Feb 2026)