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$52,833
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,476
−HK$1,670/mo
Today · 4.125%
HK$56,146
baseline
▲ 0.50% · 4.625%
HK$59,562
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,292/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,776
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,352
−HK$1,599/mo
Today · 4.125%
HK$61,951
baseline
▲ 0.50% · 4.625%
HK$65,217
+HK$3,266/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,902/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,399
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,371
−HK$2,004/mo
Today · 4.125%
HK$67,375
baseline
▲ 0.50% · 4.625%
HK$71,475
+HK$4,100/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,750/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,531
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,423
−HK$1,919/mo
Today · 4.125%
HK$74,342
baseline
▲ 0.50% · 4.625%
HK$78,260
+HK$3,918/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,684/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,966
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,267
−HK$2,337/mo
Today · 4.125%
HK$78,604
baseline
▲ 0.50% · 4.625%
HK$83,387
+HK$4,783/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,208/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,286
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,493
−HK$2,239/mo
Today · 4.125%
HK$86,732
baseline
▲ 0.50% · 4.625%
HK$91,304
+HK$4,572/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,464/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,099
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,057
−HK$3,005/mo
Today · 4.125%
HK$101,062
baseline
▲ 0.50% · 4.625%
HK$107,212
+HK$6,150/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,124/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,797
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,634
−HK$2,878/mo
Today · 4.125%
HK$111,512
baseline
▲ 0.50% · 4.625%
HK$117,390
+HK$5,878/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$223,024/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,710 · Scale 2, in force from 26 Feb 2026)