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$52,829
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,472
−HK$1,670/mo
Today · 4.125%
HK$56,142
baseline
▲ 0.50% · 4.625%
HK$59,558
+HK$3,416/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$112,284/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,771
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,348
−HK$1,599/mo
Today · 4.125%
HK$61,947
baseline
▲ 0.50% · 4.625%
HK$65,212
+HK$3,265/mo
Deposit HK$11.58M · loan HK$11.58M · min. income ≈ HK$123,894/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$984,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,394
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,366
−HK$2,004/mo
Today · 4.125%
HK$67,370
baseline
▲ 0.50% · 4.625%
HK$71,469
+HK$4,099/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$134,740/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,526
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,417
−HK$1,919/mo
Today · 4.125%
HK$74,336
baseline
▲ 0.50% · 4.625%
HK$78,254
+HK$3,918/mo
Deposit HK$9.27M · loan HK$13.90M · min. income ≈ HK$148,672/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$984,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,960
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,261
−HK$2,337/mo
Today · 4.125%
HK$78,598
baseline
▲ 0.50% · 4.625%
HK$83,381
+HK$4,783/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$157,196/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,280
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,487
−HK$2,238/mo
Today · 4.125%
HK$86,725
baseline
▲ 0.50% · 4.625%
HK$91,297
+HK$4,572/mo
Deposit HK$6.95M · loan HK$16.22M · min. income ≈ HK$173,450/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$984,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,092
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,050
−HK$3,005/mo
Today · 4.125%
HK$101,055
baseline
▲ 0.50% · 4.625%
HK$107,204
+HK$6,149/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$202,110/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,789
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,626
−HK$2,878/mo
Today · 4.125%
HK$111,504
baseline
▲ 0.50% · 4.625%
HK$117,382
+HK$5,878/mo
Deposit HK$2.32M · loan HK$20.85M · min. income ≈ HK$223,008/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$984,636 · Scale 2, in force from 26 Feb 2026)