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$52,765
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,407
−HK$1,667/mo
Today · 4.125%
HK$56,074
baseline
▲ 0.50% · 4.625%
HK$59,486
+HK$3,412/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,148/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,701
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,275
−HK$1,597/mo
Today · 4.125%
HK$61,872
baseline
▲ 0.50% · 4.625%
HK$65,134
+HK$3,262/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,744/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,318
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,288
−HK$2,001/mo
Today · 4.125%
HK$67,289
baseline
▲ 0.50% · 4.625%
HK$71,383
+HK$4,094/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$134,578/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,441
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,330
−HK$1,917/mo
Today · 4.125%
HK$74,247
baseline
▲ 0.50% · 4.625%
HK$78,160
+HK$3,913/mo
Deposit HK$9.26M · loan HK$13.88M · min. income ≈ HK$148,494/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,871
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,169
−HK$2,335/mo
Today · 4.125%
HK$78,504
baseline
▲ 0.50% · 4.625%
HK$83,281
+HK$4,777/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$157,008/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,181
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,385
−HK$2,236/mo
Today · 4.125%
HK$86,621
baseline
▲ 0.50% · 4.625%
HK$91,187
+HK$4,566/mo
Deposit HK$6.94M · loan HK$16.20M · min. income ≈ HK$173,242/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$983,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,978
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,932
−HK$3,002/mo
Today · 4.125%
HK$100,934
baseline
▲ 0.50% · 4.625%
HK$107,075
+HK$6,141/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$201,868/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,662
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,495
−HK$2,875/mo
Today · 4.125%
HK$111,370
baseline
▲ 0.50% · 4.625%
HK$117,241
+HK$5,871/mo
Deposit HK$2.31M · loan HK$20.83M · min. income ≈ HK$222,740/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,454 · Scale 2, in force from 26 Feb 2026)