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$52,820
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,463
−HK$1,669/mo
Today · 4.125%
HK$56,132
baseline
▲ 0.50% · 4.625%
HK$59,547
+HK$3,415/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,264/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,761
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,337
−HK$1,599/mo
Today · 4.125%
HK$61,936
baseline
▲ 0.50% · 4.625%
HK$65,201
+HK$3,265/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,872/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,384
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,355
−HK$2,003/mo
Today · 4.125%
HK$67,358
baseline
▲ 0.50% · 4.625%
HK$71,457
+HK$4,099/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,716/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,514
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,405
−HK$1,918/mo
Today · 4.125%
HK$74,323
baseline
▲ 0.50% · 4.625%
HK$78,241
+HK$3,918/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,646/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,947
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,248
−HK$2,337/mo
Today · 4.125%
HK$78,585
baseline
▲ 0.50% · 4.625%
HK$83,366
+HK$4,781/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,170/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,266
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,472
−HK$2,238/mo
Today · 4.125%
HK$86,710
baseline
▲ 0.50% · 4.625%
HK$91,281
+HK$4,571/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,420/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,075
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,033
−HK$3,004/mo
Today · 4.125%
HK$101,037
baseline
▲ 0.50% · 4.625%
HK$107,185
+HK$6,148/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,074/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,770
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,607
−HK$2,878/mo
Today · 4.125%
HK$111,485
baseline
▲ 0.50% · 4.625%
HK$117,361
+HK$5,876/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$222,970/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,466 · Scale 2, in force from 26 Feb 2026)