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$52,804
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,446
−HK$1,669/mo
Today · 4.125%
HK$56,115
baseline
▲ 0.50% · 4.625%
HK$59,530
+HK$3,415/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,230/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,744
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,319
−HK$1,598/mo
Today · 4.125%
HK$61,917
baseline
▲ 0.50% · 4.625%
HK$65,181
+HK$3,264/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,834/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,365
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,336
−HK$2,002/mo
Today · 4.125%
HK$67,338
baseline
▲ 0.50% · 4.625%
HK$71,435
+HK$4,097/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,676/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,492
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,383
−HK$1,918/mo
Today · 4.125%
HK$74,301
baseline
▲ 0.50% · 4.625%
HK$78,217
+HK$3,916/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,602/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,925
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,225
−HK$2,336/mo
Today · 4.125%
HK$78,561
baseline
▲ 0.50% · 4.625%
HK$83,341
+HK$4,780/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,122/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,241
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,447
−HK$2,237/mo
Today · 4.125%
HK$86,684
baseline
▲ 0.50% · 4.625%
HK$91,254
+HK$4,570/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,368/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,047
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$98,003
−HK$3,004/mo
Today · 4.125%
HK$101,007
baseline
▲ 0.50% · 4.625%
HK$107,153
+HK$6,146/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$202,014/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,739
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,574
−HK$2,877/mo
Today · 4.125%
HK$111,451
baseline
▲ 0.50% · 4.625%
HK$117,326
+HK$5,875/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,902/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,171 · Scale 2, in force from 26 Feb 2026)