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$52,791
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,433
−HK$1,669/mo
Today · 4.125%
HK$56,102
baseline
▲ 0.50% · 4.625%
HK$59,515
+HK$3,413/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,204/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,730
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,305
−HK$1,598/mo
Today · 4.125%
HK$61,903
baseline
▲ 0.50% · 4.625%
HK$65,166
+HK$3,263/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,806/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$983,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,349
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,320
−HK$2,002/mo
Today · 4.125%
HK$67,322
baseline
▲ 0.50% · 4.625%
HK$71,418
+HK$4,096/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,644/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,476
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,366
−HK$1,917/mo
Today · 4.125%
HK$74,283
baseline
▲ 0.50% · 4.625%
HK$78,199
+HK$3,916/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,566/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,908
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,207
−HK$2,335/mo
Today · 4.125%
HK$78,542
baseline
▲ 0.50% · 4.625%
HK$83,321
+HK$4,779/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,084/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,222
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,427
−HK$2,237/mo
Today · 4.125%
HK$86,664
baseline
▲ 0.50% · 4.625%
HK$91,232
+HK$4,568/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,328/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,024
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,980
−HK$3,003/mo
Today · 4.125%
HK$100,983
baseline
▲ 0.50% · 4.625%
HK$107,128
+HK$6,145/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$201,966/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,713
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,549
−HK$2,876/mo
Today · 4.125%
HK$111,425
baseline
▲ 0.50% · 4.625%
HK$117,298
+HK$5,873/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,850/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,936 · Scale 2, in force from 26 Feb 2026)