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$52,835
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,478
−HK$1,670/mo
Today · 4.125%
HK$56,148
baseline
▲ 0.50% · 4.625%
HK$59,564
+HK$3,416/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,296/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,778
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,354
−HK$1,600/mo
Today · 4.125%
HK$61,954
baseline
▲ 0.50% · 4.625%
HK$65,219
+HK$3,265/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,908/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,402
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,374
−HK$2,003/mo
Today · 4.125%
HK$67,377
baseline
▲ 0.50% · 4.625%
HK$71,477
+HK$4,100/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,754/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,534
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,425
−HK$1,919/mo
Today · 4.125%
HK$74,344
baseline
▲ 0.50% · 4.625%
HK$78,263
+HK$3,919/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,688/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,969
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,269
−HK$2,338/mo
Today · 4.125%
HK$78,607
baseline
▲ 0.50% · 4.625%
HK$83,390
+HK$4,783/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,214/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,289
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,496
−HK$2,239/mo
Today · 4.125%
HK$86,735
baseline
▲ 0.50% · 4.625%
HK$91,307
+HK$4,572/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,470/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,102
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,061
−HK$3,005/mo
Today · 4.125%
HK$101,066
baseline
▲ 0.50% · 4.625%
HK$107,216
+HK$6,150/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,132/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,800
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,638
−HK$2,879/mo
Today · 4.125%
HK$111,517
baseline
▲ 0.50% · 4.625%
HK$117,395
+HK$5,878/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$223,034/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,746 · Scale 2, in force from 26 Feb 2026)