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$52,833
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,477
−HK$1,670/mo
Today · 4.125%
HK$56,147
baseline
▲ 0.50% · 4.625%
HK$59,563
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,294/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,777
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,353
−HK$1,599/mo
Today · 4.125%
HK$61,952
baseline
▲ 0.50% · 4.625%
HK$65,218
+HK$3,266/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,904/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,400
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,372
−HK$2,004/mo
Today · 4.125%
HK$67,376
baseline
▲ 0.50% · 4.625%
HK$71,476
+HK$4,100/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,752/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,532
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,424
−HK$1,919/mo
Today · 4.125%
HK$74,343
baseline
▲ 0.50% · 4.625%
HK$78,261
+HK$3,918/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,686/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,967
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,268
−HK$2,337/mo
Today · 4.125%
HK$78,605
baseline
▲ 0.50% · 4.625%
HK$83,388
+HK$4,783/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,210/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,287
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,494
−HK$2,239/mo
Today · 4.125%
HK$86,733
baseline
▲ 0.50% · 4.625%
HK$91,305
+HK$4,572/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,466/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,100
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,058
−HK$3,006/mo
Today · 4.125%
HK$101,064
baseline
▲ 0.50% · 4.625%
HK$107,213
+HK$6,149/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,128/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,798
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,636
−HK$2,878/mo
Today · 4.125%
HK$111,514
baseline
▲ 0.50% · 4.625%
HK$117,392
+HK$5,878/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$223,028/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,724 · Scale 2, in force from 26 Feb 2026)