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$52,821
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,464
−HK$1,669/mo
Today · 4.125%
HK$56,133
baseline
▲ 0.50% · 4.625%
HK$59,549
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,266/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,763
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,338
−HK$1,599/mo
Today · 4.125%
HK$61,937
baseline
▲ 0.50% · 4.625%
HK$65,202
+HK$3,265/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,874/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,385
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,356
−HK$2,004/mo
Today · 4.125%
HK$67,360
baseline
▲ 0.50% · 4.625%
HK$71,458
+HK$4,098/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,720/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,515
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,406
−HK$1,919/mo
Today · 4.125%
HK$74,325
baseline
▲ 0.50% · 4.625%
HK$78,242
+HK$3,917/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,650/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,949
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,249
−HK$2,337/mo
Today · 4.125%
HK$78,586
baseline
▲ 0.50% · 4.625%
HK$83,368
+HK$4,782/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,172/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,268
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,474
−HK$2,238/mo
Today · 4.125%
HK$86,712
baseline
▲ 0.50% · 4.625%
HK$91,283
+HK$4,571/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,424/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,077
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,035
−HK$3,004/mo
Today · 4.125%
HK$101,039
baseline
▲ 0.50% · 4.625%
HK$107,187
+HK$6,148/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,078/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,773
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,609
−HK$2,878/mo
Today · 4.125%
HK$111,487
baseline
▲ 0.50% · 4.625%
HK$117,364
+HK$5,877/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$222,974/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,486 · Scale 2, in force from 26 Feb 2026)