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$52,824
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,467
−HK$1,669/mo
Today · 4.125%
HK$56,136
baseline
▲ 0.50% · 4.625%
HK$59,552
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,272/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,766
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,342
−HK$1,599/mo
Today · 4.125%
HK$61,941
baseline
▲ 0.50% · 4.625%
HK$65,206
+HK$3,265/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,882/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,389
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,360
−HK$2,004/mo
Today · 4.125%
HK$67,364
baseline
▲ 0.50% · 4.625%
HK$71,463
+HK$4,099/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,728/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,519
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,410
−HK$1,919/mo
Today · 4.125%
HK$74,329
baseline
▲ 0.50% · 4.625%
HK$78,247
+HK$3,918/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,658/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,953
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,254
−HK$2,337/mo
Today · 4.125%
HK$78,591
baseline
▲ 0.50% · 4.625%
HK$83,373
+HK$4,782/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,182/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,272
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,479
−HK$2,238/mo
Today · 4.125%
HK$86,717
baseline
▲ 0.50% · 4.625%
HK$91,288
+HK$4,571/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,434/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,083
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,040
−HK$3,005/mo
Today · 4.125%
HK$101,045
baseline
▲ 0.50% · 4.625%
HK$107,194
+HK$6,149/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,090/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,779
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,616
−HK$2,878/mo
Today · 4.125%
HK$111,494
baseline
▲ 0.50% · 4.625%
HK$117,371
+HK$5,877/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$222,988/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,544 · Scale 2, in force from 26 Feb 2026)