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$52,798
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,668/mo
Today · 4.125%
HK$56,108
baseline
▲ 0.50% · 4.625%
HK$59,522
+HK$3,414/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,216/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,737
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,312
−HK$1,598/mo
Today · 4.125%
HK$61,910
baseline
▲ 0.50% · 4.625%
HK$65,173
+HK$3,263/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,820/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,357
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,328
−HK$2,002/mo
Today · 4.125%
HK$67,330
baseline
▲ 0.50% · 4.625%
HK$71,427
+HK$4,097/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,660/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,484
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,374
−HK$1,918/mo
Today · 4.125%
HK$74,292
baseline
▲ 0.50% · 4.625%
HK$78,208
+HK$3,916/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,584/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,917
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,216
−HK$2,336/mo
Today · 4.125%
HK$78,552
baseline
▲ 0.50% · 4.625%
HK$83,331
+HK$4,779/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,104/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,231
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,437
−HK$2,237/mo
Today · 4.125%
HK$86,674
baseline
▲ 0.50% · 4.625%
HK$91,243
+HK$4,569/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,348/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,036
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,992
−HK$3,003/mo
Today · 4.125%
HK$100,995
baseline
▲ 0.50% · 4.625%
HK$107,140
+HK$6,145/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$201,990/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,726
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,562
−HK$2,876/mo
Today · 4.125%
HK$111,438
baseline
▲ 0.50% · 4.625%
HK$117,312
+HK$5,874/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,876/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,055 · Scale 2, in force from 26 Feb 2026)