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$52,832
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,475
−HK$1,670/mo
Today · 4.125%
HK$56,145
baseline
▲ 0.50% · 4.625%
HK$59,561
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,290/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,775
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,351
−HK$1,600/mo
Today · 4.125%
HK$61,951
baseline
▲ 0.50% · 4.625%
HK$65,216
+HK$3,265/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,902/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,398
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,371
−HK$2,003/mo
Today · 4.125%
HK$67,374
baseline
▲ 0.50% · 4.625%
HK$71,474
+HK$4,100/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,748/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,530
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,422
−HK$1,919/mo
Today · 4.125%
HK$74,341
baseline
▲ 0.50% · 4.625%
HK$78,259
+HK$3,918/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,682/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,965
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,266
−HK$2,337/mo
Today · 4.125%
HK$78,603
baseline
▲ 0.50% · 4.625%
HK$83,386
+HK$4,783/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,206/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,285
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,492
−HK$2,239/mo
Today · 4.125%
HK$86,731
baseline
▲ 0.50% · 4.625%
HK$91,302
+HK$4,571/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,462/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,098
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,056
−HK$3,005/mo
Today · 4.125%
HK$101,061
baseline
▲ 0.50% · 4.625%
HK$107,210
+HK$6,149/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,122/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,795
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,633
−HK$2,878/mo
Today · 4.125%
HK$111,511
baseline
▲ 0.50% · 4.625%
HK$117,389
+HK$5,878/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$223,022/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,698 · Scale 2, in force from 26 Feb 2026)