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$52,830
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,474
−HK$1,669/mo
Today · 4.125%
HK$56,143
baseline
▲ 0.50% · 4.625%
HK$59,559
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,286/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,773
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,349
−HK$1,600/mo
Today · 4.125%
HK$61,949
baseline
▲ 0.50% · 4.625%
HK$65,214
+HK$3,265/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,898/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,396
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,368
−HK$2,004/mo
Today · 4.125%
HK$67,372
baseline
▲ 0.50% · 4.625%
HK$71,471
+HK$4,099/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,744/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,528
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,419
−HK$1,919/mo
Today · 4.125%
HK$74,338
baseline
▲ 0.50% · 4.625%
HK$78,257
+HK$3,919/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,676/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,962
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,263
−HK$2,338/mo
Today · 4.125%
HK$78,601
baseline
▲ 0.50% · 4.625%
HK$83,383
+HK$4,782/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,202/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,282
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,489
−HK$2,239/mo
Today · 4.125%
HK$86,728
baseline
▲ 0.50% · 4.625%
HK$91,299
+HK$4,571/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,456/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,095
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,053
−HK$3,005/mo
Today · 4.125%
HK$101,058
baseline
▲ 0.50% · 4.625%
HK$107,207
+HK$6,149/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,116/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,792
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,629
−HK$2,878/mo
Today · 4.125%
HK$111,507
baseline
▲ 0.50% · 4.625%
HK$117,385
+HK$5,878/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$223,014/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,665 · Scale 2, in force from 26 Feb 2026)