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$52,745
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,386
−HK$1,667/mo
Today · 4.125%
HK$56,053
baseline
▲ 0.50% · 4.625%
HK$59,463
+HK$3,410/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,106/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,678
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,252
−HK$1,597/mo
Today · 4.125%
HK$61,849
baseline
▲ 0.50% · 4.625%
HK$65,109
+HK$3,260/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,698/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,294
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,263
−HK$2,000/mo
Today · 4.125%
HK$67,263
baseline
▲ 0.50% · 4.625%
HK$71,356
+HK$4,093/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,526/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,414
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,303
−HK$1,915/mo
Today · 4.125%
HK$74,218
baseline
▲ 0.50% · 4.625%
HK$78,130
+HK$3,912/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,436/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,843
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,140
−HK$2,334/mo
Today · 4.125%
HK$78,474
baseline
▲ 0.50% · 4.625%
HK$83,249
+HK$4,775/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,948/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,150
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,353
−HK$2,235/mo
Today · 4.125%
HK$86,588
baseline
▲ 0.50% · 4.625%
HK$91,152
+HK$4,564/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,176/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,941
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,894
−HK$3,001/mo
Today · 4.125%
HK$100,895
baseline
▲ 0.50% · 4.625%
HK$107,034
+HK$6,139/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,790/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,621
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,454
−HK$2,873/mo
Today · 4.125%
HK$111,327
baseline
▲ 0.50% · 4.625%
HK$117,196
+HK$5,869/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,654/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,077 · Scale 2, in force from 26 Feb 2026)