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$52,801
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,443
−HK$1,669/mo
Today · 4.125%
HK$56,112
baseline
▲ 0.50% · 4.625%
HK$59,526
+HK$3,414/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,224/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,740
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,316
−HK$1,598/mo
Today · 4.125%
HK$61,914
baseline
▲ 0.50% · 4.625%
HK$65,177
+HK$3,263/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,828/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$984,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,361
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,332
−HK$2,002/mo
Today · 4.125%
HK$67,334
baseline
▲ 0.50% · 4.625%
HK$71,431
+HK$4,097/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$134,668/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,488
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,379
−HK$1,918/mo
Today · 4.125%
HK$74,297
baseline
▲ 0.50% · 4.625%
HK$78,213
+HK$3,916/mo
Deposit HK$9.26M · loan HK$13.89M · min. income ≈ HK$148,594/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,921
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,220
−HK$2,336/mo
Today · 4.125%
HK$78,556
baseline
▲ 0.50% · 4.625%
HK$83,336
+HK$4,780/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$157,112/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,236
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,442
−HK$2,237/mo
Today · 4.125%
HK$86,679
baseline
▲ 0.50% · 4.625%
HK$91,248
+HK$4,569/mo
Deposit HK$6.95M · loan HK$16.21M · min. income ≈ HK$173,358/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$984,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,041
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$97,998
−HK$3,003/mo
Today · 4.125%
HK$101,001
baseline
▲ 0.50% · 4.625%
HK$107,147
+HK$6,146/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$202,002/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,732
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,568
−HK$2,877/mo
Today · 4.125%
HK$111,445
baseline
▲ 0.50% · 4.625%
HK$117,319
+HK$5,874/mo
Deposit HK$2.32M · loan HK$20.84M · min. income ≈ HK$222,890/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,113 · Scale 2, in force from 26 Feb 2026)