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$52,834
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,478
−HK$1,669/mo
Today · 4.125%
HK$56,147
baseline
▲ 0.50% · 4.625%
HK$59,564
+HK$3,417/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,294/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,778
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,354
−HK$1,599/mo
Today · 4.125%
HK$61,953
baseline
▲ 0.50% · 4.625%
HK$65,219
+HK$3,266/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,906/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,401
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,373
−HK$2,004/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$984,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,533
−HK$3,811/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$984,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,968
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,269
−HK$2,337/mo
Today · 4.125%
HK$78,606
baseline
▲ 0.50% · 4.625%
HK$83,389
+HK$4,783/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,212/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,289
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,496
−HK$2,238/mo
Today · 4.125%
HK$86,734
baseline
▲ 0.50% · 4.625%
HK$91,306
+HK$4,572/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,468/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,102
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,060
−HK$3,005/mo
Today · 4.125%
HK$101,065
baseline
▲ 0.50% · 4.625%
HK$107,215
+HK$6,150/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,130/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,800
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,637
−HK$2,879/mo
Today · 4.125%
HK$111,516
baseline
▲ 0.50% · 4.625%
HK$117,394
+HK$5,878/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$223,032/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,740 · Scale 2, in force from 26 Feb 2026)