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$52,808
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,450
−HK$1,669/mo
Today · 4.125%
HK$56,119
baseline
▲ 0.50% · 4.625%
HK$59,534
+HK$3,415/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,238/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,748
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,324
−HK$1,598/mo
Today · 4.125%
HK$61,922
baseline
▲ 0.50% · 4.625%
HK$65,186
+HK$3,264/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,844/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,369
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,341
−HK$2,002/mo
Today · 4.125%
HK$67,343
baseline
▲ 0.50% · 4.625%
HK$71,441
+HK$4,098/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$134,686/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,498
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,389
−HK$1,918/mo
Today · 4.125%
HK$74,307
baseline
▲ 0.50% · 4.625%
HK$78,223
+HK$3,916/mo
Deposit HK$9.26M · loan HK$13.90M · min. income ≈ HK$148,614/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,931
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,231
−HK$2,336/mo
Today · 4.125%
HK$78,567
baseline
▲ 0.50% · 4.625%
HK$83,348
+HK$4,781/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,134/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,247
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,453
−HK$2,238/mo
Today · 4.125%
HK$86,691
baseline
▲ 0.50% · 4.625%
HK$91,261
+HK$4,570/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,382/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,054
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,011
−HK$3,004/mo
Today · 4.125%
HK$101,015
baseline
▲ 0.50% · 4.625%
HK$107,161
+HK$6,146/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$202,030/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,747
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,583
−HK$2,877/mo
Today · 4.125%
HK$111,460
baseline
▲ 0.50% · 4.625%
HK$117,335
+HK$5,875/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,920/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,246 · Scale 2, in force from 26 Feb 2026)