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$52,805
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,448
−HK$1,669/mo
Today · 4.125%
HK$56,117
baseline
▲ 0.50% · 4.625%
HK$59,531
+HK$3,414/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,234/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,745
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,321
−HK$1,598/mo
Today · 4.125%
HK$61,919
baseline
▲ 0.50% · 4.625%
HK$65,183
+HK$3,264/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,838/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,366
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,338
−HK$2,002/mo
Today · 4.125%
HK$67,340
baseline
▲ 0.50% · 4.625%
HK$71,438
+HK$4,098/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,680/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,495
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,385
−HK$1,918/mo
Today · 4.125%
HK$74,303
baseline
▲ 0.50% · 4.625%
HK$78,220
+HK$3,917/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,606/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,928
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,227
−HK$2,336/mo
Today · 4.125%
HK$78,563
baseline
▲ 0.50% · 4.625%
HK$83,344
+HK$4,781/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,126/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,244
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,449
−HK$2,238/mo
Today · 4.125%
HK$86,687
baseline
▲ 0.50% · 4.625%
HK$91,256
+HK$4,569/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,374/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,050
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$98,006
−HK$3,004/mo
Today · 4.125%
HK$101,010
baseline
▲ 0.50% · 4.625%
HK$107,156
+HK$6,146/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$202,020/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,742
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,578
−HK$2,877/mo
Today · 4.125%
HK$111,455
baseline
▲ 0.50% · 4.625%
HK$117,330
+HK$5,875/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,910/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,201 · Scale 2, in force from 26 Feb 2026)