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$52,846
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,490
−HK$1,670/mo
Today · 4.125%
HK$56,160
baseline
▲ 0.50% · 4.625%
HK$59,577
+HK$3,417/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,320/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,791
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,368
−HK$1,599/mo
Today · 4.125%
HK$61,967
baseline
▲ 0.50% · 4.625%
HK$65,234
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,934/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,415
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,388
−HK$2,004/mo
Today · 4.125%
HK$67,392
baseline
▲ 0.50% · 4.625%
HK$71,493
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,784/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$984,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,549
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,441
−HK$1,920/mo
Today · 4.125%
HK$74,361
baseline
▲ 0.50% · 4.625%
HK$78,280
+HK$3,919/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,722/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$984,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,985
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,286
−HK$2,338/mo
Today · 4.125%
HK$78,624
baseline
▲ 0.50% · 4.625%
HK$83,408
+HK$4,784/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,248/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,307
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,515
−HK$2,239/mo
Today · 4.125%
HK$86,754
baseline
▲ 0.50% · 4.625%
HK$91,327
+HK$4,573/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,508/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,123
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,082
−HK$3,006/mo
Today · 4.125%
HK$101,088
baseline
▲ 0.50% · 4.625%
HK$107,239
+HK$6,151/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,176/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,824
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,662
−HK$2,879/mo
Today · 4.125%
HK$111,541
baseline
▲ 0.50% · 4.625%
HK$117,420
+HK$5,879/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,082/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,962 · Scale 2, in force from 26 Feb 2026)