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$52,645
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,282
−HK$1,664/mo
Today · 4.125%
HK$55,946
baseline
▲ 0.50% · 4.625%
HK$59,350
+HK$3,404/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$111,892/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$981,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,567
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,137
−HK$1,594/mo
Today · 4.125%
HK$61,731
baseline
▲ 0.50% · 4.625%
HK$64,985
+HK$3,254/mo
Deposit HK$11.54M · loan HK$11.54M · min. income ≈ HK$123,462/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$981,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,174
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,139
−HK$1,996/mo
Today · 4.125%
HK$67,135
baseline
▲ 0.50% · 4.625%
HK$71,220
+HK$4,085/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$134,270/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,280
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,165
−HK$1,912/mo
Today · 4.125%
HK$74,077
baseline
▲ 0.50% · 4.625%
HK$77,982
+HK$3,905/mo
Deposit HK$9.23M · loan HK$13.85M · min. income ≈ HK$148,154/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$981,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,703
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,995
−HK$2,329/mo
Today · 4.125%
HK$78,324
baseline
▲ 0.50% · 4.625%
HK$83,090
+HK$4,766/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$156,648/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,993
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,192
−HK$2,231/mo
Today · 4.125%
HK$86,423
baseline
▲ 0.50% · 4.625%
HK$90,979
+HK$4,556/mo
Deposit HK$6.93M · loan HK$16.16M · min. income ≈ HK$172,846/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$981,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,760
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,708
−HK$2,995/mo
Today · 4.125%
HK$100,703
baseline
▲ 0.50% · 4.625%
HK$106,830
+HK$6,127/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$201,406/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,420
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,247
−HK$2,868/mo
Today · 4.125%
HK$111,115
baseline
▲ 0.50% · 4.625%
HK$116,973
+HK$5,858/mo
Deposit HK$2.31M · loan HK$20.78M · min. income ≈ HK$222,230/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$981,205 · Scale 2, in force from 26 Feb 2026)