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$52,728
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,368
−HK$1,666/mo
Today · 4.125%
HK$56,034
baseline
▲ 0.50% · 4.625%
HK$59,444
+HK$3,410/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,068/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,659
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,232
−HK$1,596/mo
Today · 4.125%
HK$61,828
baseline
▲ 0.50% · 4.625%
HK$65,087
+HK$3,259/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,656/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,273
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,242
−HK$1,999/mo
Today · 4.125%
HK$67,241
baseline
▲ 0.50% · 4.625%
HK$71,333
+HK$4,092/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$134,482/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,391
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,279
−HK$1,915/mo
Today · 4.125%
HK$74,194
baseline
▲ 0.50% · 4.625%
HK$78,105
+HK$3,911/mo
Deposit HK$9.25M · loan HK$13.87M · min. income ≈ HK$148,388/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,819
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,115
−HK$2,333/mo
Today · 4.125%
HK$78,448
baseline
▲ 0.50% · 4.625%
HK$83,221
+HK$4,773/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,896/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,123
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,325
−HK$2,235/mo
Today · 4.125%
HK$86,560
baseline
▲ 0.50% · 4.625%
HK$91,122
+HK$4,562/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,120/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,910
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,862
−HK$3,000/mo
Today · 4.125%
HK$100,862
baseline
▲ 0.50% · 4.625%
HK$106,999
+HK$6,137/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$201,724/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,587
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,418
−HK$2,873/mo
Today · 4.125%
HK$111,291
baseline
▲ 0.50% · 4.625%
HK$117,157
+HK$5,866/mo
Deposit HK$2.31M · loan HK$20.81M · min. income ≈ HK$222,582/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$982,756 · Scale 2, in force from 26 Feb 2026)