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$52,843
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,486
−HK$1,670/mo
Today · 4.125%
HK$56,156
baseline
▲ 0.50% · 4.625%
HK$59,573
+HK$3,417/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,312/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,787
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,364
−HK$1,599/mo
Today · 4.125%
HK$61,963
baseline
▲ 0.50% · 4.625%
HK$65,229
+HK$3,266/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,926/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,411
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,384
−HK$2,004/mo
Today · 4.125%
HK$67,388
baseline
▲ 0.50% · 4.625%
HK$71,488
+HK$4,100/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,776/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,544
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,436
−HK$1,920/mo
Today · 4.125%
HK$74,356
baseline
▲ 0.50% · 4.625%
HK$78,275
+HK$3,919/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,712/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,980
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,281
−HK$2,338/mo
Today · 4.125%
HK$78,619
baseline
▲ 0.50% · 4.625%
HK$83,403
+HK$4,784/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,238/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,302
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,509
−HK$2,239/mo
Today · 4.125%
HK$86,748
baseline
▲ 0.50% · 4.625%
HK$91,321
+HK$4,573/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,496/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,117
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,076
−HK$3,006/mo
Today · 4.125%
HK$101,082
baseline
▲ 0.50% · 4.625%
HK$107,232
+HK$6,150/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,164/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,817
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,655
−HK$2,879/mo
Today · 4.125%
HK$111,534
baseline
▲ 0.50% · 4.625%
HK$117,413
+HK$5,879/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,068/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,898 · Scale 2, in force from 26 Feb 2026)