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$52,850
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,494
−HK$1,670/mo
Today · 4.125%
HK$56,164
baseline
▲ 0.50% · 4.625%
HK$59,581
+HK$3,417/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$112,328/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,795
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,372
−HK$1,599/mo
Today · 4.125%
HK$61,971
baseline
▲ 0.50% · 4.625%
HK$65,238
+HK$3,267/mo
Deposit HK$11.59M · loan HK$11.59M · min. income ≈ HK$123,942/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$985,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,420
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,393
−HK$2,004/mo
Today · 4.125%
HK$67,397
baseline
▲ 0.50% · 4.625%
HK$71,498
+HK$4,101/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$134,794/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,554
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,446
−HK$1,920/mo
Today · 4.125%
HK$74,366
baseline
▲ 0.50% · 4.625%
HK$78,286
+HK$3,920/mo
Deposit HK$9.27M · loan HK$13.91M · min. income ≈ HK$148,732/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$985,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,990
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,291
−HK$2,339/mo
Today · 4.125%
HK$78,630
baseline
▲ 0.50% · 4.625%
HK$83,414
+HK$4,784/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,260/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,313
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,521
−HK$2,239/mo
Today · 4.125%
HK$86,760
baseline
▲ 0.50% · 4.625%
HK$91,333
+HK$4,573/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,520/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$985,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,130
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,089
−HK$3,006/mo
Today · 4.125%
HK$101,095
baseline
▲ 0.50% · 4.625%
HK$107,247
+HK$6,152/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$202,190/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,831
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,669
−HK$2,880/mo
Today · 4.125%
HK$111,549
baseline
▲ 0.50% · 4.625%
HK$117,429
+HK$5,880/mo
Deposit HK$2.32M · loan HK$20.86M · min. income ≈ HK$223,098/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$985,030 · Scale 2, in force from 26 Feb 2026)