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$52,844
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,488
−HK$1,670/mo
Today · 4.125%
HK$56,158
baseline
▲ 0.50% · 4.625%
HK$59,575
+HK$3,417/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,316/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,788
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,365
−HK$1,600/mo
Today · 4.125%
HK$61,965
baseline
▲ 0.50% · 4.625%
HK$65,231
+HK$3,266/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,930/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,413
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,385
−HK$2,004/mo
Today · 4.125%
HK$67,389
baseline
▲ 0.50% · 4.625%
HK$71,490
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,778/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,546
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,438
−HK$1,919/mo
Today · 4.125%
HK$74,357
baseline
▲ 0.50% · 4.625%
HK$78,277
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,714/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,982
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,283
−HK$2,338/mo
Today · 4.125%
HK$78,621
baseline
▲ 0.50% · 4.625%
HK$83,405
+HK$4,784/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,242/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,304
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,511
−HK$2,239/mo
Today · 4.125%
HK$86,750
baseline
▲ 0.50% · 4.625%
HK$91,323
+HK$4,573/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,500/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,119
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,078
−HK$3,006/mo
Today · 4.125%
HK$101,084
baseline
▲ 0.50% · 4.625%
HK$107,235
+HK$6,151/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,168/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,819
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,657
−HK$2,879/mo
Today · 4.125%
HK$111,536
baseline
▲ 0.50% · 4.625%
HK$117,415
+HK$5,879/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,072/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,920 · Scale 2, in force from 26 Feb 2026)