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$52,827
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,470
−HK$1,670/mo
Today · 4.125%
HK$56,140
baseline
▲ 0.50% · 4.625%
HK$59,556
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,280/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,769
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,346
−HK$1,599/mo
Today · 4.125%
HK$61,945
baseline
▲ 0.50% · 4.625%
HK$65,210
+HK$3,265/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,890/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,392
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,364
−HK$2,004/mo
Today · 4.125%
HK$67,368
baseline
▲ 0.50% · 4.625%
HK$71,467
+HK$4,099/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,736/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,523
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,415
−HK$1,918/mo
Today · 4.125%
HK$74,333
baseline
▲ 0.50% · 4.625%
HK$78,252
+HK$3,919/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,666/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,958
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,258
−HK$2,338/mo
Today · 4.125%
HK$78,596
baseline
▲ 0.50% · 4.625%
HK$83,378
+HK$4,782/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,192/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,277
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,484
−HK$2,238/mo
Today · 4.125%
HK$86,722
baseline
▲ 0.50% · 4.625%
HK$91,294
+HK$4,572/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,444/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,088
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,046
−HK$3,005/mo
Today · 4.125%
HK$101,051
baseline
▲ 0.50% · 4.625%
HK$107,200
+HK$6,149/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,102/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,785
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,622
−HK$2,878/mo
Today · 4.125%
HK$111,500
baseline
▲ 0.50% · 4.625%
HK$117,378
+HK$5,878/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$223,000/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,603 · Scale 2, in force from 26 Feb 2026)