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$52,792
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,434
−HK$1,668/mo
Today · 4.125%
HK$56,102
baseline
▲ 0.50% · 4.625%
HK$59,516
+HK$3,414/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,204/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,731
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,306
−HK$1,598/mo
Today · 4.125%
HK$61,904
baseline
▲ 0.50% · 4.625%
HK$65,167
+HK$3,263/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,808/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,350
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,321
−HK$2,002/mo
Today · 4.125%
HK$67,323
baseline
▲ 0.50% · 4.625%
HK$71,419
+HK$4,096/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,646/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,477
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,367
−HK$1,917/mo
Today · 4.125%
HK$74,284
baseline
▲ 0.50% · 4.625%
HK$78,200
+HK$3,916/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,568/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,909
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,208
−HK$2,335/mo
Today · 4.125%
HK$78,543
baseline
▲ 0.50% · 4.625%
HK$83,323
+HK$4,780/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,086/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,223
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,428
−HK$2,237/mo
Today · 4.125%
HK$86,665
baseline
▲ 0.50% · 4.625%
HK$91,233
+HK$4,568/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,330/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,026
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,981
−HK$3,003/mo
Today · 4.125%
HK$100,984
baseline
▲ 0.50% · 4.625%
HK$107,129
+HK$6,145/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$201,968/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,715
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,550
−HK$2,876/mo
Today · 4.125%
HK$111,426
baseline
▲ 0.50% · 4.625%
HK$117,300
+HK$5,874/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,852/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,950 · Scale 2, in force from 26 Feb 2026)