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$52,692
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,331
−HK$1,665/mo
Today · 4.125%
HK$55,996
baseline
▲ 0.50% · 4.625%
HK$59,404
+HK$3,408/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$111,992/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,619
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,192
−HK$1,594/mo
Today · 4.125%
HK$61,786
baseline
▲ 0.50% · 4.625%
HK$65,043
+HK$3,257/mo
Deposit HK$11.55M · loan HK$11.55M · min. income ≈ HK$123,572/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$982,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,231
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,197
−HK$1,999/mo
Today · 4.125%
HK$67,196
baseline
▲ 0.50% · 4.625%
HK$71,284
+HK$4,088/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$134,392/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,343
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,230
−HK$1,914/mo
Today · 4.125%
HK$74,144
baseline
▲ 0.50% · 4.625%
HK$78,052
+HK$3,908/mo
Deposit HK$9.24M · loan HK$13.86M · min. income ≈ HK$148,288/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$982,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,769
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,064
−HK$2,331/mo
Today · 4.125%
HK$78,395
baseline
▲ 0.50% · 4.625%
HK$83,165
+HK$4,770/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$156,790/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$982,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,067
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,268
−HK$2,233/mo
Today · 4.125%
HK$86,501
baseline
▲ 0.50% · 4.625%
HK$91,061
+HK$4,560/mo
Deposit HK$6.93M · loan HK$16.18M · min. income ≈ HK$173,002/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$982,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,846
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,796
−HK$2,997/mo
Today · 4.125%
HK$100,793
baseline
▲ 0.50% · 4.625%
HK$106,927
+HK$6,134/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$201,586/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,515
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,345
−HK$2,871/mo
Today · 4.125%
HK$111,216
baseline
▲ 0.50% · 4.625%
HK$117,078
+HK$5,862/mo
Deposit HK$2.31M · loan HK$20.80M · min. income ≈ HK$222,432/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$982,090 · Scale 2, in force from 26 Feb 2026)