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$52,744
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,384
−HK$1,667/mo
Today · 4.125%
HK$56,051
baseline
▲ 0.50% · 4.625%
HK$59,462
+HK$3,411/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,102/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,677
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,251
−HK$1,596/mo
Today · 4.125%
HK$61,847
baseline
▲ 0.50% · 4.625%
HK$65,107
+HK$3,260/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,694/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,292
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,261
−HK$2,000/mo
Today · 4.125%
HK$67,261
baseline
▲ 0.50% · 4.625%
HK$71,354
+HK$4,093/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,522/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,412
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,301
−HK$1,915/mo
Today · 4.125%
HK$74,216
baseline
▲ 0.50% · 4.625%
HK$78,128
+HK$3,912/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,432/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,841
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,138
−HK$2,334/mo
Today · 4.125%
HK$78,472
baseline
▲ 0.50% · 4.625%
HK$83,246
+HK$4,774/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,944/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,148
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,351
−HK$2,235/mo
Today · 4.125%
HK$86,586
baseline
▲ 0.50% · 4.625%
HK$91,150
+HK$4,564/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,172/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,939
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,892
−HK$3,000/mo
Today · 4.125%
HK$100,892
baseline
▲ 0.50% · 4.625%
HK$107,031
+HK$6,139/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,784/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,618
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,451
−HK$2,874/mo
Today · 4.125%
HK$111,325
baseline
▲ 0.50% · 4.625%
HK$117,193
+HK$5,868/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,650/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,051 · Scale 2, in force from 26 Feb 2026)