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$52,789
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,431
−HK$1,669/mo
Today · 4.125%
HK$56,100
baseline
▲ 0.50% · 4.625%
HK$59,513
+HK$3,413/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,200/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,728
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,303
−HK$1,598/mo
Today · 4.125%
HK$61,901
baseline
▲ 0.50% · 4.625%
HK$65,163
+HK$3,262/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,802/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,347
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,318
−HK$2,002/mo
Today · 4.125%
HK$67,320
baseline
▲ 0.50% · 4.625%
HK$71,416
+HK$4,096/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,640/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,473
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,363
−HK$1,918/mo
Today · 4.125%
HK$74,281
baseline
▲ 0.50% · 4.625%
HK$78,196
+HK$3,915/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,562/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,905
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,204
−HK$2,336/mo
Today · 4.125%
HK$78,540
baseline
▲ 0.50% · 4.625%
HK$83,319
+HK$4,779/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,080/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,219
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,424
−HK$2,237/mo
Today · 4.125%
HK$86,661
baseline
▲ 0.50% · 4.625%
HK$91,229
+HK$4,568/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,322/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,021
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,977
−HK$3,003/mo
Today · 4.125%
HK$100,980
baseline
▲ 0.50% · 4.625%
HK$107,124
+HK$6,144/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$201,960/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,710
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,545
−HK$2,876/mo
Today · 4.125%
HK$111,421
baseline
▲ 0.50% · 4.625%
HK$117,294
+HK$5,873/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,842/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,902 · Scale 2, in force from 26 Feb 2026)