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$52,742
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,382
−HK$1,667/mo
Today · 4.125%
HK$56,049
baseline
▲ 0.50% · 4.625%
HK$59,460
+HK$3,411/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$112,098/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,675
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,248
−HK$1,597/mo
Today · 4.125%
HK$61,845
baseline
▲ 0.50% · 4.625%
HK$65,105
+HK$3,260/mo
Deposit HK$11.56M · loan HK$11.56M · min. income ≈ HK$123,690/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,290
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,259
−HK$2,000/mo
Today · 4.125%
HK$67,259
baseline
▲ 0.50% · 4.625%
HK$71,351
+HK$4,092/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,518/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$983,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,410
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,298
−HK$1,916/mo
Today · 4.125%
HK$74,214
baseline
▲ 0.50% · 4.625%
HK$78,126
+HK$3,912/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,428/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$983,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,838
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,135
−HK$2,334/mo
Today · 4.125%
HK$78,469
baseline
▲ 0.50% · 4.625%
HK$83,243
+HK$4,774/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,938/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,145
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,348
−HK$2,235/mo
Today · 4.125%
HK$86,583
baseline
▲ 0.50% · 4.625%
HK$91,146
+HK$4,563/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,166/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,935
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,888
−HK$3,000/mo
Today · 4.125%
HK$100,888
baseline
▲ 0.50% · 4.625%
HK$107,027
+HK$6,139/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,776/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,614
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,447
−HK$2,873/mo
Today · 4.125%
HK$111,320
baseline
▲ 0.50% · 4.625%
HK$117,188
+HK$5,868/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,640/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,014 · Scale 2, in force from 26 Feb 2026)