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$52,847
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,491
−HK$1,670/mo
Today · 4.125%
HK$56,161
baseline
▲ 0.50% · 4.625%
HK$59,578
+HK$3,417/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,322/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,792
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,369
−HK$1,599/mo
Today · 4.125%
HK$61,968
baseline
▲ 0.50% · 4.625%
HK$65,235
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,936/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,417
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,389
−HK$2,004/mo
Today · 4.125%
HK$67,393
baseline
▲ 0.50% · 4.625%
HK$71,494
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,786/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$984,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,550
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,442
−HK$1,920/mo
Today · 4.125%
HK$74,362
baseline
▲ 0.50% · 4.625%
HK$78,282
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,724/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$984,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,986
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,287
−HK$2,338/mo
Today · 4.125%
HK$78,625
baseline
▲ 0.50% · 4.625%
HK$83,410
+HK$4,785/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,250/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,309
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,516
−HK$2,239/mo
Today · 4.125%
HK$86,755
baseline
▲ 0.50% · 4.625%
HK$91,328
+HK$4,573/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,510/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,125
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,084
−HK$3,006/mo
Today · 4.125%
HK$101,090
baseline
▲ 0.50% · 4.625%
HK$107,241
+HK$6,151/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,180/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,825
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,664
−HK$2,879/mo
Today · 4.125%
HK$111,543
baseline
▲ 0.50% · 4.625%
HK$117,422
+HK$5,879/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,086/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,978 · Scale 2, in force from 26 Feb 2026)