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$52,768
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,410
−HK$1,667/mo
Today · 4.125%
HK$56,077
baseline
▲ 0.50% · 4.625%
HK$59,489
+HK$3,412/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,154/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,704
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,279
−HK$1,597/mo
Today · 4.125%
HK$61,876
baseline
▲ 0.50% · 4.625%
HK$65,137
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,752/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,322
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,292
−HK$2,001/mo
Today · 4.125%
HK$67,293
baseline
▲ 0.50% · 4.625%
HK$71,387
+HK$4,094/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$134,586/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,445
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,334
−HK$1,917/mo
Today · 4.125%
HK$74,251
baseline
▲ 0.50% · 4.625%
HK$78,165
+HK$3,914/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$148,502/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,876
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,173
−HK$2,335/mo
Today · 4.125%
HK$78,508
baseline
▲ 0.50% · 4.625%
HK$83,285
+HK$4,777/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,016/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,186
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,390
−HK$2,236/mo
Today · 4.125%
HK$86,626
baseline
▲ 0.50% · 4.625%
HK$91,192
+HK$4,566/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,252/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,983
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,937
−HK$3,002/mo
Today · 4.125%
HK$100,939
baseline
▲ 0.50% · 4.625%
HK$107,081
+HK$6,142/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,878/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,667
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,501
−HK$2,875/mo
Today · 4.125%
HK$111,376
baseline
▲ 0.50% · 4.625%
HK$117,247
+HK$5,871/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,752/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,508 · Scale 2, in force from 26 Feb 2026)