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$52,842
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,485
−HK$1,670/mo
Today · 4.125%
HK$56,155
baseline
▲ 0.50% · 4.625%
HK$59,572
+HK$3,417/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,310/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,786
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,362
−HK$1,600/mo
Today · 4.125%
HK$61,962
baseline
▲ 0.50% · 4.625%
HK$65,228
+HK$3,266/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,924/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,410
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,382
−HK$2,004/mo
Today · 4.125%
HK$67,386
baseline
▲ 0.50% · 4.625%
HK$71,487
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,772/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,543
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,435
−HK$1,919/mo
Today · 4.125%
HK$74,354
baseline
▲ 0.50% · 4.625%
HK$78,273
+HK$3,919/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,708/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,978
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,279
−HK$2,338/mo
Today · 4.125%
HK$78,617
baseline
▲ 0.50% · 4.625%
HK$83,401
+HK$4,784/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,234/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,300
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,507
−HK$2,239/mo
Today · 4.125%
HK$86,746
baseline
▲ 0.50% · 4.625%
HK$91,319
+HK$4,573/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,492/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,115
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,073
−HK$3,006/mo
Today · 4.125%
HK$101,079
baseline
▲ 0.50% · 4.625%
HK$107,230
+HK$6,151/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,158/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,814
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,652
−HK$2,879/mo
Today · 4.125%
HK$111,531
baseline
▲ 0.50% · 4.625%
HK$117,410
+HK$5,879/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,062/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,876 · Scale 2, in force from 26 Feb 2026)